Bank of Eufaula: 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 dropped 44.47 percentage points in Q2 2026, from 523.71% to 479.25%. It was the largest change from Q1 2026 among the key lines here. Bank of Eufaula has the 9th lowest return on assets of the 169 banks headquartered in Oklahoma, at -0.01% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Bank of Eufaula reported -0.01% on return on assets in Q2 2026, 0.99 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.10% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 4.12% |
| Allowance for credit losses to loans | 2.19% |
| Reserve coverage of non-performing loans | 479.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.01% |
| Return on equity | -0.08% |
| Net interest margin | 3.55% |
| Efficiency ratio | 100.38% |
| Yield on earning assets | 4.07% |
| Cost of funds | 0.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 30.19% |
| Core deposits to total deposits | 90.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.35% |
| Securities to assets | 55.99% |
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 | 10.00% | 0.56% | 3.46% | 8.60% | 1.00% |
| Q4 2023 | 9.20% | -3.57% | 3.78% | 11.08% | 3.24% |
| Q1 2024 | 9.17% | -1.44% | 3.09% | 5.50% | 18.26% |
| Q2 2024 | 9.53% | -1.55% | 3.24% | 5.54% | 1.94% |
| Q3 2024 | 9.69% | -0.56% | 3.17% | 7.18% | 0.49% |
| Q4 2024 | 9.70% | -0.54% | 3.36% | 8.17% | 2.06% |
| Q1 2025 | 9.81% | 0.14% | 3.20% | 7.26% | -0.34% |
| Q2 2025 | 10.11% | 0.04% | 3.62% | 2.65% | 1.66% |
| Q3 2025 | 11.19% | 0.00% | 3.37% | 2.24% | 0.65% |
| Q4 2025 | 11.89% | 0.02% | 3.39% | 1.11% | 0.14% |
| Q1 2026 | 12.24% | -0.06% | 3.54% | 0.42% | -0.02% |
| Q2 2026 | 12.10% | -0.01% | 3.55% | 0.46% | 0.05% |
Bank of Eufaula vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eufaula, 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 Eufaula profile, peer group comparison, or how this data updates.
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