Bank of Billings: 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.
Reserve coverage of non-performing loans climbed 32.56 percentage points in Q2 2026, from 60.07% to 92.63%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Bank of Billings is 152nd of 192 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Billings sits 0.24 points lower, at 1.01% (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 | 9.88% |
| Equity capital to assets | 12.28% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 6.81% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 92.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 8.31% |
| Net interest margin | 5.26% |
| Efficiency ratio | 71.93% |
| Yield on earning assets | 6.99% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.62% |
| Core deposits to total deposits | 96.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.91% |
| Securities to assets | — |
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 | 9.26% | 1.63% | 5.43% | 1.97% | 0.19% |
| Q4 2023 | 9.86% | 1.34% | 5.61% | 1.68% | -0.17% |
| Q1 2024 | 9.90% | 1.12% | 5.98% | 1.80% | 0.11% |
| Q2 2024 | 9.77% | 0.66% | 5.83% | 0.36% | 1.43% |
| Q3 2024 | 10.08% | 0.80% | 5.88% | 0.47% | -0.01% |
| Q4 2024 | 10.72% | 1.42% | 5.87% | 0.53% | -0.02% |
| Q1 2025 | 10.07% | 1.13% | 5.14% | 0.42% | -0.01% |
| Q2 2025 | 10.15% | 1.21% | 5.45% | 1.66% | 0.13% |
| Q3 2025 | 10.46% | 1.27% | 5.65% | 1.27% | 0.36% |
| Q4 2025 | 10.67% | 1.33% | 5.61% | 0.86% | 0.03% |
| Q1 2026 | 10.07% | 1.02% | 5.07% | 1.46% | 0.09% |
| Q2 2026 | 9.88% | 1.01% | 5.26% | 0.91% | 0.16% |
Bank of Billings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Billings, 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 of Billings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16959) · FFIEC NIC profile (RSSD 572347)