B2 Bank N.A.: 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 30.43 percentage points in Q2 2026, from 67.64% to 37.21%. It was the largest change from Q1 2026 among the key lines here. On return on assets, B2 Bank N.A. is 4th from the bottom among 44 Utah banks, -1.85% (Q2 2026). B2 Bank N.A.'s return on assets of -1.85% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 3.11 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 | 13.66% |
| Equity capital to assets | 9.26% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.07% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.57% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 44.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.85% |
| Return on equity | -12.18% |
| Net interest margin | 3.85% |
| Efficiency ratio | 124.09% |
| Yield on earning assets | 5.36% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.21% |
| Core deposits to total deposits | 99.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.61% |
| Securities to assets | 6.50% |
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 | 33.92% | 33.92% | 34.76% | 11.19% | 0.32% |
| Q4 2023 | 39.93% | 39.93% | 40.75% | 12.87% | 0.08% |
| Q1 2024 | 44.71% | 44.71% | 45.53% | 12.93% | 1.44% |
| Q2 2024 | 27.16% | 27.16% | 27.73% | 12.13% | 0.23% |
| Q3 2024 | 29.55% | 29.55% | 30.24% | 12.28% | 0.23% |
| Q4 2024 | 25.95% | 25.95% | 26.76% | 13.07% | -1.48% |
| Q1 2025 | — | — | — | 13.11% | -0.81% |
| Q2 2025 | — | — | — | 14.29% | -0.93% |
| Q3 2025 | — | — | — | 15.27% | 0.09% |
| Q4 2025 | — | — | — | 15.97% | -0.95% |
| Q1 2026 | — | — | — | 15.60% | -1.73% |
| Q2 2026 | — | — | — | 13.66% | -1.85% |
B2 Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock B2 Bank N.A., 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 B2 Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5105) · FFIEC NIC profile (RSSD 108652)