Bank of Halls: 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: 661.81 percentage points higher than in Q1 2026, at 953.61%. Bank of Halls ranks 58th of 109 Tennessee banks on return on assets, in the lower half at 1.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Halls sits 0.19 points lower, at 1.07% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.79% |
| Tier 1 risk-based capital ratio | 12.79% |
| Total risk-based capital ratio | 13.88% |
| Tier 1 leverage ratio | 7.95% |
| Equity capital to assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 953.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 13.96% |
| Net interest margin | 3.34% |
| Efficiency ratio | 54.21% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.80% |
| Core deposits to total deposits | 91.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.54% |
| Securities to assets | 31.32% |
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 | 14.67% | 14.67% | 15.87% | 8.20% | 1.04% |
| Q4 2023 | 13.06% | 13.06% | 14.23% | 7.16% | 1.02% |
| Q1 2024 | 13.77% | 13.77% | 15.02% | 7.21% | 0.76% |
| Q2 2024 | 13.77% | 13.77% | 15.01% | 7.36% | 1.19% |
| Q3 2024 | 13.97% | 13.97% | 15.20% | 7.91% | 1.05% |
| Q4 2024 | 12.83% | 12.83% | 13.98% | 7.85% | 1.05% |
| Q1 2025 | 13.26% | 13.26% | 14.42% | 7.79% | 0.72% |
| Q2 2025 | 14.33% | 14.33% | 15.52% | 8.20% | 1.40% |
| Q3 2025 | 13.46% | 13.46% | 14.61% | 8.52% | 0.83% |
| Q4 2025 | 13.00% | 13.00% | 14.12% | 7.93% | 1.02% |
| Q1 2026 | 14.04% | 14.04% | 15.22% | 8.01% | 0.96% |
| Q2 2026 | 12.79% | 12.79% | 13.88% | 7.95% | 1.07% |
Bank of Halls vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Halls, 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 Halls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10315) · FFIEC NIC profile (RSSD 145059)