Artisans' 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: 66.63 percentage points lower than in Q1 2026, at 136.90%. Artisans' Bank has the 2nd lowest return on assets of the 16 banks headquartered in Delaware, at 0.62% as of Q2 2026. Artisans' Bank's return on assets of 0.62% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 13.95% |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.55% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 136.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 6.71% |
| Net interest margin | 3.35% |
| Efficiency ratio | 74.86% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.95% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.52% |
| Securities to assets | 18.09% |
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 | 12.06% | 12.06% | 12.96% | 9.70% | 0.67% |
| Q4 2023 | 12.35% | 12.35% | 13.24% | 9.84% | 0.57% |
| Q1 2024 | 12.19% | 12.19% | 13.07% | 9.93% | 0.42% |
| Q2 2024 | 12.17% | 12.17% | 13.07% | 9.91% | 0.36% |
| Q3 2024 | 12.43% | 12.43% | 13.33% | 9.97% | 0.40% |
| Q4 2024 | 12.45% | 12.45% | 13.34% | 9.98% | 0.35% |
| Q1 2025 | 12.80% | 12.80% | 13.70% | 9.98% | 0.28% |
| Q2 2025 | 12.72% | 12.72% | 13.64% | 10.15% | 0.33% |
| Q3 2025 | 13.00% | 13.00% | 13.91% | 10.07% | 0.62% |
| Q4 2025 | 12.92% | 12.92% | 13.83% | 10.17% | 0.62% |
| Q1 2026 | 13.08% | 13.08% | 14.00% | 10.32% | 0.40% |
| Q2 2026 | 13.01% | 13.01% | 13.95% | 10.44% | 0.62% |
Artisans' Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Artisans' 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 Artisans' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17123) · FFIEC NIC profile (RSSD 73116)