Bank of the West: 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.
Loan-to-deposit ratio dropped 1.71 percentage points in Q2 2026, from 69.09% to 67.39%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of the West is 131st of 345 on return on assets, 1.66% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of the West sits 0.40 points higher, at 1.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.31% |
| Tier 1 risk-based capital ratio | 15.31% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 9.66% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 318.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 17.54% |
| Net interest margin | 4.35% |
| Efficiency ratio | 61.47% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.39% |
| Core deposits to total deposits | 92.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.04% |
| Securities to assets | 9.75% |
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 | 13.81% | 13.81% | 15.00% | 8.36% | 2.00% |
| Q4 2023 | 14.36% | 14.36% | 15.58% | 8.33% | 1.48% |
| Q1 2024 | 14.80% | 14.80% | 16.04% | 8.39% | 1.47% |
| Q2 2024 | 14.64% | 14.64% | 15.84% | 8.53% | 1.55% |
| Q3 2024 | 14.87% | 14.87% | 16.06% | 8.64% | 1.84% |
| Q4 2024 | 14.62% | 14.62% | 15.75% | 8.66% | 1.54% |
| Q1 2025 | 14.37% | 14.37% | 15.49% | 9.10% | 1.57% |
| Q2 2025 | 14.33% | 14.33% | 15.45% | 9.37% | 1.88% |
| Q3 2025 | 14.56% | 14.56% | 15.70% | 9.72% | 1.96% |
| Q4 2025 | 15.12% | 15.12% | 16.32% | 9.42% | 1.50% |
| Q1 2026 | 15.36% | 15.36% | 16.58% | 9.47% | 1.58% |
| Q2 2026 | 15.31% | 15.31% | 16.53% | 9.66% | 1.66% |
Bank of the West vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the West, 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 West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26627) · FFIEC NIC profile (RSSD 859552)