Bank of Erath: 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: 263.43 percentage points higher than in Q1 2026, at 341.67%. On return on assets, Bank of Erath is 6th from the bottom among 103 Louisiana banks, -0.07% (Q2 2026). Bank of Erath's return on assets of -0.07% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.32 points (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 | 14.39% |
| Equity capital to assets | 13.55% |
| Tangible equity to tangible assets | 13.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.87% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 341.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.07% |
| Return on equity | -0.53% |
| Net interest margin | 4.13% |
| Efficiency ratio | 97.57% |
| Yield on earning assets | 5.10% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.19% |
| Core deposits to total deposits | 92.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.66% |
| Securities to assets | 31.21% |
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 | 13.11% | 0.78% | 4.02% | 2.42% | -0.02% |
| Q4 2023 | 13.12% | 0.86% | 3.86% | 2.47% | 0.01% |
| Q1 2024 | 13.18% | 0.70% | 3.90% | 3.67% | 0.02% |
| Q2 2024 | 13.39% | 0.44% | 3.63% | 5.21% | 0.79% |
| Q3 2024 | 13.81% | 0.54% | 3.99% | 5.14% | 0.03% |
| Q4 2024 | 13.56% | 0.65% | 4.01% | 5.37% | -0.01% |
| Q1 2025 | 13.62% | 0.41% | 3.86% | 5.26% | 0.04% |
| Q2 2025 | 14.33% | 0.71% | 4.29% | 5.26% | 0.06% |
| Q3 2025 | 14.13% | -0.62% | 4.42% | 3.55% | 0.00% |
| Q4 2025 | 14.25% | 2.19% | 4.96% | 1.47% | 0.12% |
| Q1 2026 | 14.28% | 0.43% | 4.14% | 2.07% | 0.00% |
| Q2 2026 | 14.39% | -0.07% | 4.13% | 0.47% | -0.03% |
Bank of Erath vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Erath, 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 Erath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8532) · FFIEC NIC profile (RSSD 399731)