Albany Bank & Trust Co., 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.86 percentage points higher than in Q1 2026, at 81.08%. Within Illinois, Albany Bank & Trust Co., N.A. is 236th of 323 on return on assets, 0.81% as of Q2 2026, below the middle of the field. Albany Bank & Trust Co., N.A. reported 0.81% on return on assets for Q2 2026, 0.45 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.98% |
| Equity capital to assets | 17.23% |
| Tangible equity to tangible assets | 17.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 0.85% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.81% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 81.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 4.74% |
| Net interest margin | 3.35% |
| Efficiency ratio | 56.86% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.76% |
| Core deposits to total deposits | 77.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.89% |
| Securities to assets | 6.15% |
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 | 15.83% | 0.76% | 2.91% | 0.06% | 0.00% |
| Q4 2023 | 15.39% | 1.41% | 2.91% | 0.06% | 0.00% |
| Q1 2024 | 15.93% | 0.64% | 2.83% | 0.06% | 0.00% |
| Q2 2024 | 16.27% | 0.74% | 2.91% | 0.06% | 0.00% |
| Q3 2024 | 16.56% | 0.79% | 3.01% | 0.00% | 0.11% |
| Q4 2024 | 16.45% | 1.30% | 3.04% | 0.00% | 0.00% |
| Q1 2025 | 16.76% | 0.49% | 2.76% | 2.50% | 0.00% |
| Q2 2025 | 16.72% | 0.73% | 2.97% | 1.85% | 0.00% |
| Q3 2025 | 16.54% | 0.78% | 3.03% | 1.82% | 0.00% |
| Q4 2025 | 16.50% | 1.39% | 3.18% | 1.88% | 0.00% |
| Q1 2026 | 16.69% | 0.76% | 3.08% | 1.14% | 1.00% |
| Q2 2026 | 16.98% | 0.81% | 3.35% | 1.13% | 0.00% |
Albany Bank & Trust Co., N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Albany Bank & Trust Co., 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 Albany Bank & Trust Co., N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17230) · FFIEC NIC profile (RSSD 2732)