The 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 climbed 7.79 percentage points in Q2 2026, from 66.99% to 74.78%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Bank, N.A. is 44th of 169 on return on assets, 1.91% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Bank, N.A. reported 1.91% on return on assets in Q2 2026, 0.67 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 | 10.85% |
| Equity capital to assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 0.85% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 9.01% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 101.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 21.70% |
| Net interest margin | 4.30% |
| Efficiency ratio | 59.43% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.78% |
| Core deposits to total deposits | 93.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.72% |
| Securities to assets | 26.95% |
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 | 10.05% | 1.07% | 3.38% | 0.77% | -0.08% |
| Q4 2023 | 10.02% | 0.29% | 3.37% | 0.79% | 0.03% |
| Q1 2024 | 10.09% | 1.27% | 3.33% | 0.77% | -0.02% |
| Q2 2024 | 10.70% | 1.22% | 3.69% | 0.85% | 0.22% |
| Q3 2024 | 11.22% | 1.51% | 3.70% | 0.79% | -0.09% |
| Q4 2024 | 10.90% | 0.75% | 3.67% | 0.89% | 0.04% |
| Q1 2025 | 10.79% | 1.24% | 3.54% | 0.70% | 0.04% |
| Q2 2025 | 11.09% | 1.80% | 3.80% | 0.66% | 0.00% |
| Q3 2025 | 11.49% | 1.73% | 3.96% | 0.66% | 0.05% |
| Q4 2025 | 10.93% | 0.72% | 4.07% | 0.80% | 0.09% |
| Q1 2026 | 10.68% | 1.37% | 4.03% | 1.51% | 0.02% |
| Q2 2026 | 10.85% | 1.91% | 4.30% | 1.25% | 0.01% |
The Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Bank, N.A. profile, peer group comparison, or how this data updates.
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