Bank 21: 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 Loan-to-deposit ratio: 0.99 percentage points higher than in Q1 2026, at 110.99%. Among 191 Missouri banks, Bank 21 sits 10th from the top on return on assets, 2.78% as of Q2 2026. Bank 21's return on assets of 2.78% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.52 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.83% |
| Tier 1 leverage ratio | 11.51% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.42% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 2580.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.78% |
| Return on equity | 24.28% |
| Net interest margin | 5.27% |
| Efficiency ratio | 46.88% |
| Yield on earning assets | 7.22% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.99% |
| Core deposits to total deposits | 94.04% |
| Brokered deposits to total deposits | 2.42% |
| Deposits to assets | 81.50% |
| Securities to assets | 1.07% |
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 | 12.12% | 12.12% | 13.37% | 10.45% | 1.83% |
| Q4 2023 | 11.65% | 11.65% | 12.90% | 10.45% | 1.63% |
| Q1 2024 | 11.99% | 11.99% | 13.25% | 10.24% | 1.37% |
| Q2 2024 | 12.04% | 12.04% | 13.29% | 10.19% | 1.61% |
| Q3 2024 | 11.67% | 11.67% | 12.92% | 10.37% | 2.37% |
| Q4 2024 | 12.27% | 12.27% | 13.53% | 10.74% | 2.68% |
| Q1 2025 | 12.58% | 12.58% | 13.83% | 11.29% | 1.97% |
| Q2 2025 | 12.12% | 12.12% | 13.37% | 11.28% | 2.85% |
| Q3 2025 | 11.84% | 11.84% | 13.10% | 10.87% | 2.76% |
| Q4 2025 | 12.23% | 12.23% | 13.48% | 11.09% | 2.52% |
| Q1 2026 | 12.80% | 12.80% | 14.06% | 11.60% | 2.76% |
| Q2 2026 | 12.58% | 12.58% | 13.83% | 11.51% | 2.78% |
Bank 21 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 21, 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 Bank 21 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8560) · FFIEC NIC profile (RSSD 634544)