Associated Trust Company, 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.
Return on assets climbed 9.39 percentage points in Q2 2026, from 27.40% to 36.79%. It was the largest change from Q1 2026 among the key lines here. Associated Trust Company, N.A.'s return on assets of 36.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 35.82 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 171.77% |
| Tier 1 risk-based capital ratio | 171.77% |
| Total risk-based capital ratio | 171.77% |
| Tier 1 leverage ratio | 84.07% |
| Equity capital to assets | 85.65% |
| Tangible equity to tangible assets | 85.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 36.79% |
| Return on equity | 43.78% |
| Net interest margin | 3.68% |
| Efficiency ratio | 67.39% |
| Yield on earning assets | 3.68% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 13.32% |
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 | 146.32% | 146.32% | 146.32% | 83.09% | 26.69% |
| Q4 2023 | 142.34% | 142.34% | 142.34% | 82.50% | 23.37% |
| Q1 2024 | 138.78% | 138.78% | 138.78% | 80.93% | 28.47% |
| Q2 2024 | 147.21% | 147.21% | 147.21% | 88.08% | 34.99% |
| Q3 2024 | 142.06% | 142.06% | 142.06% | 82.03% | 36.92% |
| Q4 2024 | 133.49% | 133.49% | 133.49% | 76.05% | 23.47% |
| Q1 2025 | 130.96% | 130.96% | 130.96% | 79.21% | 28.68% |
| Q2 2025 | 136.95% | 136.95% | 136.95% | 82.70% | 29.95% |
| Q3 2025 | 131.18% | 131.18% | 131.18% | 81.98% | 36.04% |
| Q4 2025 | 130.89% | 130.89% | 130.89% | 79.00% | 35.11% |
| Q1 2026 | 176.11% | 176.11% | 176.11% | 72.95% | 27.40% |
| Q2 2026 | 171.77% | 171.77% | 171.77% | 84.07% | 36.79% |
Associated Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Trust Company, 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 Associated Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 1629903)