Bank of Dawson: 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 398.13 percentage points in Q2 2026, from 159.64% to 557.77%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Bank of Dawson is 42nd of 121 on return on assets, 1.85% as of Q2 2026, above the middle of the field. Bank of Dawson reported 1.85% on return on assets for Q2 2026, 0.60 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.77% |
| Tier 1 risk-based capital ratio | 25.77% |
| Total risk-based capital ratio | 27.03% |
| Tier 1 leverage ratio | 18.15% |
| Equity capital to assets | 16.34% |
| Tangible equity to tangible assets | 16.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 1.07% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 557.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 11.58% |
| Net interest margin | 4.27% |
| Efficiency ratio | 53.95% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.89% |
| Core deposits to total deposits | 83.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.53% |
| Securities to assets | 20.01% |
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 | 26.08% | 26.08% | 27.33% | 18.56% | 2.00% |
| Q4 2023 | 25.27% | 25.27% | 26.53% | 18.21% | 0.81% |
| Q1 2024 | 25.54% | 25.54% | 26.79% | 17.98% | 1.59% |
| Q2 2024 | 24.43% | 24.43% | 25.68% | 17.98% | 1.70% |
| Q3 2024 | 23.92% | 23.92% | 25.16% | 17.58% | 1.69% |
| Q4 2024 | 24.16% | 24.16% | 25.42% | 16.92% | 0.77% |
| Q1 2025 | 23.95% | 23.95% | 25.21% | 17.56% | 1.76% |
| Q2 2025 | 24.44% | 24.44% | 25.69% | 17.94% | 2.63% |
| Q3 2025 | 25.43% | 25.43% | 26.69% | 18.02% | 1.71% |
| Q4 2025 | 24.97% | 24.97% | 26.22% | 17.32% | 0.47% |
| Q1 2026 | 26.97% | 26.97% | 28.22% | 18.11% | 2.54% |
| Q2 2026 | 25.77% | 25.77% | 27.03% | 18.15% | 1.85% |
Bank of Dawson vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dawson, 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 Dawson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 876) · FFIEC NIC profile (RSSD 193537)