The Bank of Charlotte County: 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: 17.55 percentage points lower than in Q1 2026, at 97.09%. Among 56 Virginia banks, The Bank of Charlotte County sits 3rd from the top on return on assets, 5.39% as of Q2 2026. The Bank of Charlotte County's return on assets of 5.39% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 4.14 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.00% |
| Tier 1 risk-based capital ratio | 20.00% |
| Total risk-based capital ratio | 21.25% |
| Tier 1 leverage ratio | 12.79% |
| Equity capital to assets | 12.23% |
| Tangible equity to tangible assets | 12.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.30% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 7.04% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 97.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.39% |
| Return on equity | 47.86% |
| Net interest margin | 4.56% |
| Efficiency ratio | 34.95% |
| Yield on earning assets | 5.36% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.20% |
| Core deposits to total deposits | 96.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.30% |
| Securities to assets | 21.03% |
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 | 17.95% | 17.95% | 18.86% | 13.61% | 1.33% |
| Q4 2023 | 17.35% | 17.35% | 18.25% | 13.13% | 1.39% |
| Q1 2024 | 15.83% | 15.83% | 16.73% | 12.40% | 1.29% |
| Q2 2024 | 16.17% | 16.17% | 17.07% | 12.30% | 1.41% |
| Q3 2024 | 16.26% | 16.26% | 17.14% | 12.28% | 1.30% |
| Q4 2024 | 15.90% | 15.90% | 16.85% | 11.65% | 1.19% |
| Q1 2025 | 16.52% | 16.52% | 17.48% | 11.77% | 1.30% |
| Q2 2025 | 17.15% | 17.15% | 18.12% | 12.08% | 1.25% |
| Q3 2025 | 17.44% | 17.44% | 18.46% | 11.85% | 1.21% |
| Q4 2025 | 16.87% | 16.87% | 17.97% | 10.99% | 1.14% |
| Q1 2026 | 17.50% | 17.50% | 18.59% | 11.33% | 1.40% |
| Q2 2026 | 20.00% | 20.00% | 21.25% | 12.79% | 5.39% |
The Bank of Charlotte County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Charlotte County, 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 of Charlotte County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14491) · FFIEC NIC profile (RSSD 667524)