Bank of England: 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 Securities to assets: 5.91 percentage points higher than in Q1 2026, at 50.21%. Bank of England has the 5th lowest return on assets of the 78 banks headquartered in Arkansas, at 0.29% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of England reported 0.29% on return on assets in Q2 2026, 0.96 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.59% |
| Tier 1 risk-based capital ratio | 24.59% |
| Total risk-based capital ratio | 25.76% |
| Tier 1 leverage ratio | 19.91% |
| Equity capital to assets | 19.57% |
| Tangible equity to tangible assets | 19.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.09% |
| Non-performing assets ratio | 1.81% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 8.81% |
| Allowance for credit losses to loans | 3.13% |
| Reserve coverage of non-performing loans | 51.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.29% |
| Return on equity | 1.51% |
| Net interest margin | 3.71% |
| Efficiency ratio | 91.53% |
| Yield on earning assets | 4.76% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.78% |
| Core deposits to total deposits | 91.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.45% |
| Securities to assets | 50.21% |
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 | 16.89% | 16.89% | 18.18% | 14.01% | -2.87% |
| Q4 2023 | 15.20% | 15.20% | 16.49% | 13.38% | -4.75% |
| Q1 2024 | 14.60% | 14.60% | 15.89% | 13.56% | -1.52% |
| Q2 2024 | 15.02% | 15.02% | 15.81% | 14.01% | 0.54% |
| Q3 2024 | 15.80% | 15.80% | 16.82% | 13.83% | -1.32% |
| Q4 2024 | 21.96% | 21.96% | 23.12% | 17.23% | 1.67% |
| Q1 2025 | 23.17% | 23.17% | 24.42% | 17.99% | -1.01% |
| Q2 2025 | 22.87% | 22.87% | 24.11% | 19.08% | -0.74% |
| Q3 2025 | 23.18% | 23.18% | 24.36% | 19.63% | 0.64% |
| Q4 2025 | 23.93% | 23.93% | 25.12% | 19.60% | 0.18% |
| Q1 2026 | 24.55% | 24.55% | 25.70% | 20.16% | 0.41% |
| Q2 2026 | 24.59% | 24.59% | 25.76% | 19.91% | 0.29% |
Bank of England vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of England, 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 England profile, peer group comparison, or how this data updates.
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