Bank of Camilla: 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 Reserve coverage of non-performing loans: 9.80 percentage points lower than in Q1 2026, at 271.98%. Bank of Camilla ranks 77th of 121 Georgia banks on return on assets, in the lower half at 1.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Camilla sits 0.11 points higher, at 1.36% (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 | 20.79% |
| Equity capital to assets | 21.08% |
| Tangible equity to tangible assets | 21.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.20% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 271.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 6.68% |
| Net interest margin | 3.83% |
| Efficiency ratio | 56.60% |
| Yield on earning assets | 6.04% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.03% |
| Core deposits to total deposits | 82.07% |
| Brokered deposits to total deposits | 8.90% |
| Deposits to assets | 78.46% |
| Securities to assets | 21.12% |
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 | 24.31% | 9.91% | 4.39% | 4.10% | -0.00% |
| Q4 2023 | 23.82% | 1.62% | 3.85% | 4.20% | -0.01% |
| Q1 2024 | 20.57% | 0.68% | 3.09% | 4.16% | -0.00% |
| Q2 2024 | 21.45% | 1.13% | 3.43% | 4.11% | -0.00% |
| Q3 2024 | 22.30% | 1.11% | 3.99% | 0.67% | -0.42% |
| Q4 2024 | 21.84% | 1.38% | 3.29% | 0.57% | 0.00% |
| Q1 2025 | 20.43% | 1.05% | 3.63% | 0.53% | 0.02% |
| Q2 2025 | 21.82% | 1.10% | 3.77% | 0.45% | 0.00% |
| Q3 2025 | 21.96% | 1.06% | 3.65% | 0.46% | 0.00% |
| Q4 2025 | 21.45% | 1.00% | 3.29% | 0.44% | -0.00% |
| Q1 2026 | 19.97% | 1.66% | 3.47% | 0.39% | 0.00% |
| Q2 2026 | 20.79% | 1.36% | 3.83% | 0.38% | 0.00% |
Bank of Camilla vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Camilla, 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 Camilla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17190) · FFIEC NIC profile (RSSD 124830)