b1BANK: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.80 percentage points higher than in Q1 2026, at 77.95%. Within Louisiana, b1BANK is 54th of 102 on return on assets, 1.20% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. b1BANK sits 0.07 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.33% |
| Tier 1 risk-based capital ratio | 12.33% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 10.91% |
| Equity capital to assets | 12.20% |
| Tangible equity to tangible assets | 10.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.20% |
| Non-performing assets ratio | 1.18% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 10.66% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 77.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 10.07% |
| Net interest margin | 3.81% |
| Efficiency ratio | 60.44% |
| Yield on earning assets | 5.99% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.62% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 5.56% |
| Deposits to assets | 81.76% |
| Securities to assets | 11.71% |
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 | 11.63% | 11.63% | 12.39% | 10.53% | 1.37% |
| Q4 2023 | 11.69% | 11.69% | 12.43% | 10.63% | 1.12% |
| Q1 2024 | 11.73% | 11.73% | 12.48% | 10.56% | 0.95% |
| Q2 2024 | 11.79% | 11.79% | 12.53% | 10.59% | 1.15% |
| Q3 2024 | 12.00% | 12.00% | 12.74% | 10.79% | 1.16% |
| Q4 2024 | 11.60% | 11.60% | 12.45% | 10.47% | 0.95% |
| Q1 2025 | 12.04% | 12.04% | 12.92% | 10.70% | 1.14% |
| Q2 2025 | 12.02% | 12.02% | 12.91% | 10.79% | 1.25% |
| Q3 2025 | 12.28% | 12.28% | 13.17% | 11.01% | 1.29% |
| Q4 2025 | 12.02% | 12.02% | 12.82% | 11.01% | 1.25% |
| Q1 2026 | 11.96% | 11.96% | 12.85% | 10.62% | 1.18% |
| Q2 2026 | 12.33% | 12.33% | 13.20% | 10.91% | 1.20% |
b1BANK vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock b1BANK, 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 b1BANK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58228) · FFIEC NIC profile (RSSD 3408728)