The Bank of Edison: 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: 6.35 percentage points lower than in Q1 2026, at 62.07%. Within Georgia, The Bank of Edison is 16th of 121 on return on assets, 2.33% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The Bank of Edison reported 2.33% on return on assets in Q2 2026, 1.35 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 9.08% |
| Equity capital to assets | 6.02% |
| Tangible equity to tangible assets | 6.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 20.52% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 62.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.33% |
| Return on equity | 40.33% |
| Net interest margin | 4.16% |
| Efficiency ratio | 63.49% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.04% |
| Core deposits to total deposits | 82.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.58% |
| Securities to assets | 29.15% |
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 | 14.30% | 14.30% | 15.51% | 8.55% | 0.75% |
| Q4 2023 | 15.81% | 15.81% | 17.15% | 8.65% | 0.87% |
| Q1 2024 | 15.04% | 15.04% | 16.23% | 8.96% | 1.28% |
| Q2 2024 | 13.99% | 13.99% | 14.96% | 8.74% | 0.99% |
| Q3 2024 | 14.08% | 14.08% | 15.02% | 8.54% | 1.76% |
| Q4 2024 | 14.74% | 14.74% | 15.91% | 8.49% | -0.55% |
| Q1 2025 | 14.72% | 14.72% | 15.97% | 8.96% | 1.86% |
| Q2 2025 | 13.62% | 13.62% | 14.79% | 9.04% | 1.03% |
| Q3 2025 | 13.86% | 13.86% | 15.05% | 8.96% | 0.85% |
| Q4 2025 | 14.59% | 14.59% | 15.84% | 8.24% | -0.14% |
| Q1 2026 | 13.61% | 13.61% | 14.86% | 8.45% | 1.26% |
| Q2 2026 | 14.27% | 14.27% | 15.52% | 9.08% | 2.33% |
The Bank of Edison vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Edison, 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 Edison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5686) · FFIEC NIC profile (RSSD 610539)