Atascosa 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 climbed 14.31 percentage points in Q2 2026, from 44.93% to 59.23%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Atascosa Bank is 280th of 345 on return on assets, 0.86% as of Q2 2026, below the middle of the field. Atascosa Bank reported 0.86% on return on assets for Q2 2026, 0.12 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.25% |
| Equity capital to assets | 12.21% |
| Tangible equity to tangible assets | 12.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.89% |
| Non-performing assets ratio | 1.01% |
| Net charge-off ratio | -0.87% |
| Texas ratio | 8.00% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 59.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 7.39% |
| Net interest margin | 2.92% |
| Efficiency ratio | 62.51% |
| Yield on earning assets | 3.92% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.09% |
| Core deposits to total deposits | 90.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.51% |
| Securities to assets | 55.13% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 0.97% | 3.21% | 0.00% | 0.05% |
| Q4 2023 | 11.61% | 1.14% | 3.14% | 0.42% | 0.00% |
| Q1 2024 | 13.24% | 1.24% | 3.18% | 0.41% | 0.00% |
| Q2 2024 | 14.04% | 1.21% | 3.11% | 0.00% | 1.04% |
| Q3 2024 | 14.03% | 1.12% | 2.96% | 0.00% | 0.00% |
| Q4 2024 | 13.63% | 0.57% | 3.00% | 0.00% | 0.00% |
| Q1 2025 | 14.13% | 1.01% | 2.93% | 0.00% | 0.00% |
| Q2 2025 | 14.35% | 1.19% | 3.08% | 0.00% | 0.00% |
| Q3 2025 | 14.37% | 1.03% | 3.24% | 0.00% | 0.00% |
| Q4 2025 | 14.00% | -1.94% | 3.24% | 3.32% | 11.26% |
| Q1 2026 | 14.38% | 0.32% | 2.86% | 3.26% | 0.00% |
| Q2 2026 | 15.25% | 0.86% | 2.92% | 2.89% | -0.87% |
Atascosa Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Atascosa 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 Atascosa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24064) · FFIEC NIC profile (RSSD 851060)