Bank & Trust Company: 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 18.22 percentage points in Q2 2026, from 286.75% to 268.53%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Bank & Trust Company is 178th of 323 on return on assets, 1.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank & Trust Company sits 0.13 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 17.44% |
| Tier 1 leverage ratio | 11.27% |
| Equity capital to assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.74% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 268.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 10.56% |
| Net interest margin | 3.69% |
| Efficiency ratio | 56.45% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.29% |
| Core deposits to total deposits | 86.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.28% |
| Securities to assets | 28.42% |
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 | 15.31% | 15.31% | 16.57% | 10.75% | 0.96% |
| Q4 2023 | 14.76% | 14.76% | 16.01% | 10.48% | 1.04% |
| Q1 2024 | 14.75% | 14.75% | 16.01% | 10.15% | 0.84% |
| Q2 2024 | 15.82% | 15.82% | 17.07% | 10.37% | 1.00% |
| Q3 2024 | 15.76% | 15.76% | 17.01% | 10.62% | 0.89% |
| Q4 2024 | 15.75% | 15.75% | 17.01% | 10.86% | 1.06% |
| Q1 2025 | 16.03% | 16.03% | 17.29% | 10.94% | 0.96% |
| Q2 2025 | 16.09% | 16.09% | 17.35% | 10.83% | 1.22% |
| Q3 2025 | 15.76% | 15.76% | 17.02% | 10.95% | 1.31% |
| Q4 2025 | 15.68% | 15.68% | 16.93% | 11.01% | 1.06% |
| Q1 2026 | 16.00% | 16.00% | 17.25% | 11.11% | 1.14% |
| Q2 2026 | 16.19% | 16.19% | 17.44% | 11.27% | 1.12% |
Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1047) · FFIEC NIC profile (RSSD 496845)