Ascent 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: 20.29 percentage points lower than in Q1 2026, at 49.67%. Ascent Bank ranks 21st of 35 Montana banks on return on assets, in the lower half at 1.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Ascent Bank sits 0.06 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 8.69% |
| Equity capital to assets | 9.08% |
| Tangible equity to tangible assets | 8.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.74% |
| Non-performing assets ratio | 2.17% |
| Net charge-off ratio | 0.93% |
| Texas ratio | 21.51% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 49.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 15.03% |
| Net interest margin | 4.62% |
| Efficiency ratio | 57.31% |
| Yield on earning assets | 6.27% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.28% |
| Core deposits to total deposits | 82.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.81% |
| Securities to assets | 7.50% |
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 | 12.23% | 12.23% | 13.48% | 8.63% | 0.37% |
| Q4 2023 | 11.67% | 11.67% | 12.92% | 8.63% | 0.82% |
| Q1 2024 | 11.15% | 11.15% | 12.40% | 8.25% | 0.49% |
| Q2 2024 | 12.77% | 12.77% | 14.03% | 9.30% | 0.69% |
| Q3 2024 | 12.13% | 12.13% | 13.38% | 9.30% | 0.94% |
| Q4 2024 | 13.06% | 13.06% | 14.32% | 8.94% | 1.16% |
| Q1 2025 | 12.72% | 12.72% | 13.98% | 8.92% | 1.29% |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 9.15% | 1.42% |
| Q3 2025 | 13.50% | 13.50% | 14.76% | 9.36% | 1.31% |
| Q4 2025 | 13.96% | 13.96% | 15.22% | 9.48% | 1.29% |
| Q1 2026 | 11.41% | 11.41% | 12.66% | 7.98% | 1.12% |
| Q2 2026 | 12.41% | 12.41% | 13.66% | 8.69% | 1.31% |
Ascent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ascent 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 Ascent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20162) · FFIEC NIC profile (RSSD 647955)