Avana 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.
Loan-to-deposit ratio dropped 1.99 percentage points in Q2 2026, from 48.77% to 46.78%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Avana Bank is 8th from the bottom among 345 Texas banks, -0.51% (Q2 2026). Avana Bank's return on assets of -0.51% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 1.51 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.52% |
| Equity capital to assets | 22.09% |
| Tangible equity to tangible assets | 17.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.51% |
| Return on equity | -2.33% |
| Net interest margin | 5.24% |
| Efficiency ratio | 104.76% |
| Yield on earning assets | 6.32% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.78% |
| Core deposits to total deposits | 92.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.34% |
| Securities to assets | 13.37% |
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 | 19.92% | -0.28% | 5.61% | 0.00% | 0.00% |
| Q4 2023 | 19.26% | 0.33% | 6.08% | 0.47% | 0.00% |
| Q1 2024 | 18.09% | 0.26% | 5.16% | 0.00% | 0.84% |
| Q2 2024 | 17.90% | 0.52% | 5.06% | 0.00% | 0.00% |
| Q3 2024 | 17.94% | 0.03% | 4.47% | 0.00% | 0.00% |
| Q4 2024 | 17.46% | -1.67% | 3.81% | 0.00% | 0.00% |
| Q1 2025 | 16.56% | -0.77% | 3.91% | 0.00% | 0.00% |
| Q2 2025 | 17.42% | -1.25% | 4.65% | 0.05% | 0.21% |
| Q3 2025 | 17.27% | -1.17% | 4.43% | 0.00% | 0.08% |
| Q4 2025 | 18.75% | 4.14% | 4.07% | 0.00% | 0.00% |
| Q1 2026 | 17.38% | -0.33% | 5.13% | 0.00% | 0.00% |
| Q2 2026 | 17.52% | -0.51% | 5.24% | 0.00% | 0.00% |
Avana Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Avana 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 Avana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10704) · FFIEC NIC profile (RSSD 498456)