Bank 360: 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 6.82 percentage points in Q2 2026, from 106.46% to 99.63%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Bank 360 is 68th of 169 on return on assets, 1.61% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, Bank 360 reported 1.61% on return on assets in Q2 2026, 0.61 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.97% |
| Non-performing assets ratio | 3.42% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.76% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 27.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 17.25% |
| Net interest margin | 5.04% |
| Efficiency ratio | 67.88% |
| Yield on earning assets | 7.59% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.63% |
| Core deposits to total deposits | 76.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 1.99% |
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 | 11.66% | 11.66% | 12.80% | 9.04% | 1.42% |
| Q4 2023 | — | — | — | 9.08% | 1.33% |
| Q1 2024 | — | — | — | 9.13% | 1.90% |
| Q2 2024 | — | — | — | 8.93% | 1.77% |
| Q3 2024 | — | — | — | 8.78% | 2.20% |
| Q4 2024 | 14.28% | 14.28% | 15.53% | 8.65% | 1.32% |
| Q1 2025 | 17.10% | 17.10% | 18.35% | 8.56% | 2.31% |
| Q2 2025 | 14.94% | 14.94% | 16.19% | 8.83% | 1.62% |
| Q3 2025 | 15.93% | 15.93% | 17.18% | 8.88% | 1.23% |
| Q4 2025 | 15.31% | 15.31% | 16.57% | 8.86% | 0.92% |
| Q1 2026 | 14.53% | 14.53% | 15.78% | 9.08% | 1.67% |
| Q2 2026 | — | — | — | 9.36% | 1.61% |
Bank 360 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 360, 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 360 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9875) · FFIEC NIC profile (RSSD 464853)