The Atlanta National 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.
Net charge-off ratio dropped 1.02 percentage points in Q3 2026, from 1.08% to 0.06%. It was the largest change from Q2 2026 among the key lines here. Within Illinois, The Atlanta National Bank is 247th of 323 on return on assets, 0.72% as of Q3 2026, below the middle of the field. The Atlanta National Bank reported 0.72% on return on assets for Q3 2026, 0.26 points below the 0.98% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 20.40% |
| Tier 1 risk-based capital ratio | 20.40% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 11.75% |
| Equity capital to assets | 10.30% |
| Tangible equity to tangible assets | 10.30% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 6.30% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 1040.00% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 6.96% |
| Net interest margin | 3.58% |
| Efficiency ratio | 77.27% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 51.39% |
| Core deposits to total deposits | 91.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.23% |
| Securities to assets | 40.48% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 22.99% | 22.99% | 23.53% | 12.90% | 0.57% |
| Q1 2024 | 23.45% | 23.45% | 23.99% | 13.30% | 0.04% |
| Q2 2024 | 22.79% | 22.79% | 23.34% | 13.08% | 0.37% |
| Q3 2024 | 23.35% | 23.35% | 23.91% | 12.94% | 0.29% |
| Q4 2024 | 20.74% | 20.74% | 21.25% | 12.25% | 0.58% |
| Q1 2025 | 22.43% | 22.43% | 22.98% | 12.49% | 0.53% |
| Q2 2025 | 21.77% | 21.77% | 22.32% | 12.50% | 0.55% |
| Q3 2025 | 21.57% | 21.57% | 22.15% | 12.43% | 0.42% |
| Q4 2025 | 20.82% | 20.82% | 21.39% | 11.87% | 0.21% |
| Q1 2026 | 20.43% | 20.43% | 21.00% | 11.66% | 0.63% |
| Q2 2026 | 20.54% | 20.54% | 21.10% | 11.59% | 0.48% |
| Q3 2026 | 20.40% | 20.40% | 20.95% | 11.75% | 0.72% |
The Atlanta National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Atlanta National 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 The Atlanta National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3601) · FFIEC NIC profile (RSSD 672238)