Agility Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 172.69 percentage points in Q2 2026, from 322.56% to 149.87%. It was the largest change from Q1 2026 among the key lines here. Agility Bank, N.A. has the 9th lowest return on assets of the 345 banks headquartered in Texas, at -0.34% as of Q2 2026. Agility Bank, N.A.'s return on assets of -0.34% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.60 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.99% |
| Equity capital to assets | 18.93% |
| Tangible equity to tangible assets | 18.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 3.86% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 149.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.34% |
| Return on equity | -1.71% |
| Net interest margin | 4.07% |
| Efficiency ratio | 100.67% |
| Yield on earning assets | 6.21% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.01% |
| Core deposits to total deposits | 82.56% |
| Brokered deposits to total deposits | 0.83% |
| Deposits to assets | 79.34% |
| Securities to assets | 2.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 50.05% | -3.56% | 4.72% | 0.09% | 0.00% |
| Q4 2023 | 46.44% | -3.36% | 4.93% | 0.04% | 0.16% |
| Q1 2024 | 44.70% | -4.29% | 5.15% | 0.07% | 0.00% |
| Q2 2024 | 40.54% | -3.99% | 5.32% | 0.02% | 1.00% |
| Q3 2024 | 37.53% | -5.92% | 5.43% | 0.02% | 0.00% |
| Q4 2024 | 31.16% | -10.12% | 5.63% | 0.01% | 1.22% |
| Q1 2025 | 25.72% | -2.40% | 4.86% | 0.44% | 0.00% |
| Q2 2025 | 22.48% | -0.67% | 4.62% | 0.09% | 1.52% |
| Q3 2025 | 21.94% | -0.28% | 4.72% | 0.09% | 0.00% |
| Q4 2025 | 22.07% | 0.45% | 4.70% | 0.53% | 0.60% |
| Q1 2026 | 21.58% | -0.56% | 4.32% | 0.51% | 0.50% |
| Q2 2026 | 19.99% | -0.34% | 4.07% | 1.18% | 0.16% |
Agility Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Agility Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Agility Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59239) · FFIEC NIC profile (RSSD 5728916)