The Bank: 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 11.29 percentage points in Q2 2026, from 68.01% to 56.71%. It was the largest change from Q1 2026 among the key lines here. On return on assets, The Bank ranks 10th highest among the 182 banks headquartered in Kansas, at 2.54% (Q2 2026). The Bank's return on assets of 2.54% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.29 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.10% |
| Tier 1 risk-based capital ratio | 18.10% |
| Total risk-based capital ratio | 19.35% |
| Tier 1 leverage ratio | 11.46% |
| Equity capital to assets | 12.18% |
| Tangible equity to tangible assets | 11.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.40% |
| Non-performing assets ratio | 2.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 17.69% |
| Allowance for credit losses to loans | 1.93% |
| Reserve coverage of non-performing loans | 56.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.54% |
| Return on equity | 21.59% |
| Net interest margin | 4.50% |
| Efficiency ratio | 36.76% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.85% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.57% |
| Securities to assets | 19.32% |
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 | 20.26% | 20.26% | 21.52% | 11.34% | 1.86% |
| Q4 2023 | 20.88% | 20.88% | 22.14% | 11.77% | 2.04% |
| Q1 2024 | 21.10% | 21.10% | 22.36% | 11.59% | 2.19% |
| Q2 2024 | 21.42% | 21.42% | 22.68% | 12.33% | 1.74% |
| Q3 2024 | 21.13% | 21.13% | 22.39% | 12.63% | 2.07% |
| Q4 2024 | 23.86% | 23.86% | 25.12% | 14.31% | 2.13% |
| Q1 2025 | 15.81% | 15.81% | 17.06% | 9.66% | 1.95% |
| Q2 2025 | 16.70% | 16.70% | 17.95% | 10.81% | 2.46% |
| Q3 2025 | 16.66% | 16.66% | 17.91% | 10.99% | 2.52% |
| Q4 2025 | 16.83% | 16.83% | 18.08% | 11.33% | 2.03% |
| Q1 2026 | 17.50% | 17.50% | 18.76% | 10.87% | 2.45% |
| Q2 2026 | 18.10% | 18.10% | 19.35% | 11.46% | 2.54% |
The Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, 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 The Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26522) · FFIEC NIC profile (RSSD 333650)