Austin Capital Bank SSB: 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 dropped 362.57 percentage points in Q2 2026, from 519.16% to 156.59%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Austin Capital Bank SSB is 232nd of 345 on return on assets, 1.15% as of Q2 2026, below the middle of the field. Austin Capital Bank SSB reported 1.15% on return on assets for Q2 2026, 0.10 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 39.04% |
| Tier 1 risk-based capital ratio | 39.04% |
| Total risk-based capital ratio | 40.29% |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.86% |
| Allowance for credit losses to loans | 0.47% |
| Reserve coverage of non-performing loans | 156.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.06% |
| Net interest margin | 6.73% |
| Efficiency ratio | 84.41% |
| Yield on earning assets | 7.63% |
| Cost of funds | 0.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.64% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 4.86% |
| Deposits to assets | 77.99% |
| Securities to assets | 1.58% |
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 | 60.82% | 60.82% | 62.08% | 11.65% | -0.68% |
| Q4 2023 | 55.74% | 55.74% | 56.99% | 11.07% | -2.02% |
| Q1 2024 | 46.41% | 46.41% | 47.66% | 10.69% | -1.66% |
| Q2 2024 | 39.77% | 39.77% | 41.02% | 10.10% | 0.15% |
| Q3 2024 | 37.47% | 37.47% | 38.73% | 9.35% | 0.43% |
| Q4 2024 | 31.95% | 31.95% | 33.21% | 8.23% | 0.87% |
| Q1 2025 | 31.41% | 31.41% | 32.66% | 8.04% | 0.51% |
| Q2 2025 | 32.61% | 32.61% | 33.86% | 7.76% | 1.08% |
| Q3 2025 | 36.55% | 36.55% | 37.80% | 7.75% | 1.05% |
| Q4 2025 | 36.49% | 36.49% | 37.74% | 8.62% | 1.48% |
| Q1 2026 | 38.37% | 38.37% | 39.62% | 9.27% | 0.76% |
| Q2 2026 | 39.04% | 39.04% | 40.29% | 10.22% | 1.15% |
Austin Capital Bank SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Capital Bank SSB, 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 Austin Capital Bank SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58082) · FFIEC NIC profile (RSSD 3347911)