Bank of Labor: 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.
Brokered deposits to total deposits climbed 3.72 percentage points in Q2 2026, from 23.36% to 27.09%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Bank of Labor is 160th of 182 on return on assets, 0.88% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bank of Labor sits 0.40 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.19% |
| Tier 1 risk-based capital ratio | 14.19% |
| Total risk-based capital ratio | 15.14% |
| Tier 1 leverage ratio | 7.99% |
| Equity capital to assets | 4.61% |
| Tangible equity to tangible assets | 4.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.15% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 20.40% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 45.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 18.84% |
| Net interest margin | 3.50% |
| Efficiency ratio | 68.61% |
| Yield on earning assets | 4.40% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.15% |
| Core deposits to total deposits | 71.26% |
| Brokered deposits to total deposits | 27.09% |
| Deposits to assets | 93.72% |
| Securities to assets | 49.96% |
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 | 12.68% | 12.68% | 13.46% | 7.57% | 0.76% |
| Q4 2023 | 12.28% | 12.28% | 13.12% | 7.31% | -0.10% |
| Q1 2024 | 12.43% | 12.43% | 13.29% | 7.41% | 0.99% |
| Q2 2024 | 13.01% | 13.01% | 13.95% | 7.32% | 1.12% |
| Q3 2024 | 13.33% | 13.33% | 14.28% | 7.61% | 0.97% |
| Q4 2024 | 13.42% | 13.42% | 14.39% | 7.75% | 0.72% |
| Q1 2025 | 13.84% | 13.84% | 14.79% | 7.87% | 1.02% |
| Q2 2025 | 13.69% | 13.69% | 14.61% | 7.61% | 0.92% |
| Q3 2025 | 14.03% | 14.03% | 14.92% | 7.70% | 0.98% |
| Q4 2025 | 13.87% | 13.87% | 14.82% | 7.74% | 0.78% |
| Q1 2026 | 13.75% | 13.75% | 14.68% | 7.84% | 0.96% |
| Q2 2026 | 14.19% | 14.19% | 15.14% | 7.99% | 0.88% |
Bank of Labor vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Labor, 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 Labor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1874) · FFIEC NIC profile (RSSD 246657)