Bank of the Plains: 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: 30.70 percentage points higher than in Q1 2026, at 339.96%. Within Kansas, Bank of the Plains is 130th of 182 on return on assets, 1.21% as of Q2 2026, below the middle of the field. Bank of the Plains reported 1.21% on return on assets for Q2 2026, 0.05 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.18% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 339.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 12.41% |
| Net interest margin | 4.50% |
| Efficiency ratio | 61.49% |
| Yield on earning assets | 6.19% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.42% |
| Core deposits to total deposits | 88.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.64% |
| Securities to assets | 17.54% |
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 | 10.81% | 10.81% | 12.06% | 8.11% | -0.04% |
| Q4 2023 | 10.65% | 10.65% | 11.67% | 8.37% | 1.30% |
| Q1 2024 | 10.60% | 10.60% | 11.66% | 8.35% | 0.79% |
| Q2 2024 | 10.54% | 10.54% | 11.61% | 8.44% | 0.80% |
| Q3 2024 | 10.72% | 10.72% | 11.82% | 8.69% | 0.69% |
| Q4 2024 | 10.49% | 10.49% | 11.55% | 8.75% | 0.72% |
| Q1 2025 | 10.95% | 10.95% | 12.12% | 8.74% | 0.57% |
| Q2 2025 | 11.44% | 11.44% | 12.69% | 8.82% | 0.66% |
| Q3 2025 | 11.74% | 11.74% | 12.99% | 8.88% | 0.79% |
| Q4 2025 | 11.65% | 11.65% | 12.90% | 9.17% | 0.67% |
| Q1 2026 | 12.24% | 12.24% | 13.49% | 8.78% | 2.31% |
| Q2 2026 | 11.85% | 11.85% | 13.10% | 9.30% | 1.21% |
Bank of the Plains vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Plains, 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 the Plains profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18118) · FFIEC NIC profile (RSSD 302553)