Alton Bank: 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 91.16 percentage points in Q2 2026, from 221.89% to 130.73%. It was the largest change from Q1 2026 among the key lines here. Alton Bank ranks 162nd of 191 Missouri banks on return on assets, in the lower half at 0.89% (Q2 2026). Alton Bank reported 0.89% on return on assets for Q2 2026, 0.36 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.77% |
| Tier 1 risk-based capital ratio | 9.77% |
| Total risk-based capital ratio | 10.26% |
| Tier 1 leverage ratio | 7.96% |
| Equity capital to assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 5.78% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 130.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 12.27% |
| Net interest margin | 3.62% |
| Efficiency ratio | 70.81% |
| Yield on earning assets | 6.40% |
| Cost of funds | 2.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.02% |
| Core deposits to total deposits | 84.04% |
| Brokered deposits to total deposits | 6.65% |
| Deposits to assets | 88.17% |
| Securities to assets | 32.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.17% | 11.17% | 11.97% | 8.55% | -0.35% |
| Q4 2023 | 10.82% | 10.82% | 11.61% | 8.29% | -0.79% |
| Q1 2024 | 11.05% | 11.05% | 11.83% | 8.14% | 0.07% |
| Q2 2024 | 11.22% | 11.22% | 11.99% | 8.36% | 0.48% |
| Q3 2024 | 10.37% | 10.37% | 11.08% | 8.12% | 0.45% |
| Q4 2024 | 10.32% | 10.32% | 11.02% | 7.88% | 0.48% |
| Q1 2025 | 10.04% | 10.04% | 10.69% | 7.43% | 0.39% |
| Q2 2025 | 10.76% | 10.76% | 11.43% | 7.98% | 0.71% |
| Q3 2025 | 10.75% | 10.75% | 11.41% | 8.19% | 0.64% |
| Q4 2025 | 10.51% | 10.51% | 11.05% | 8.21% | 0.90% |
| Q1 2026 | 10.00% | 10.00% | 10.49% | 8.16% | 1.06% |
| Q2 2026 | 9.77% | 9.77% | 10.26% | 7.96% | 0.89% |
Alton Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alton Bank, 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 Alton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8276) · FFIEC NIC profile (RSSD 881441)