Apex 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.44 percentage points lower than in Q1 2026, at 78.29%. Apex Bank ranks 14th of 109 Tennessee banks on return on assets, in the upper half at 1.98% (Q2 2026). Apex Bank's return on assets of 1.98% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.20% |
| Tier 1 risk-based capital ratio | 23.20% |
| Total risk-based capital ratio | 24.46% |
| Tier 1 leverage ratio | 14.46% |
| Equity capital to assets | 15.02% |
| Tangible equity to tangible assets | 14.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 15.74% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 78.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 13.29% |
| Net interest margin | 4.95% |
| Efficiency ratio | 41.57% |
| Yield on earning assets | 7.26% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.63% |
| Core deposits to total deposits | 55.07% |
| Brokered deposits to total deposits | 32.92% |
| Deposits to assets | 78.30% |
| Securities to assets | 2.02% |
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 | 24.55% | 24.55% | 25.80% | 13.55% | 2.71% |
| Q4 2023 | 23.29% | 23.29% | 24.55% | 12.91% | 4.14% |
| Q1 2024 | 24.48% | 24.48% | 25.73% | 13.45% | 2.56% |
| Q2 2024 | 24.65% | 24.65% | 25.91% | 14.40% | 2.48% |
| Q3 2024 | 25.59% | 25.59% | 26.84% | 15.39% | 3.04% |
| Q4 2024 | 24.11% | 24.11% | 25.36% | 14.48% | 3.05% |
| Q1 2025 | 22.73% | 22.73% | 23.98% | 14.76% | 2.70% |
| Q2 2025 | 24.22% | 24.22% | 25.47% | 14.80% | 2.56% |
| Q3 2025 | 25.11% | 25.11% | 26.36% | 15.72% | 2.78% |
| Q4 2025 | 22.34% | 22.34% | 23.59% | 14.17% | 2.56% |
| Q1 2026 | 22.83% | 22.83% | 24.08% | 14.45% | 2.39% |
| Q2 2026 | 23.20% | 23.20% | 24.46% | 14.46% | 1.98% |
Apex Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Apex 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 Apex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9176) · FFIEC NIC profile (RSSD 51253)