Bank19: 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 climbed 4.99 percentage points in Q2 2026, from 57.85% to 62.83%. It was the largest change from Q1 2026 among the key lines here. Bank19 ranks 96th of 345 Texas banks on return on assets, in the upper half at 1.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank19 sits 0.55 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 33.25% |
| Tier 1 risk-based capital ratio | 33.25% |
| Total risk-based capital ratio | 33.97% |
| Tier 1 leverage ratio | 15.33% |
| Equity capital to assets | 17.41% |
| Tangible equity to tangible assets | 15.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.63% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 10.60% |
| Net interest margin | 4.79% |
| Efficiency ratio | 57.34% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.83% |
| Core deposits to total deposits | 88.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.42% |
| Securities to assets | 1.53% |
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 | 18.02% | 18.02% | 19.27% | 12.20% | 1.97% |
| Q4 2023 | 17.14% | 17.14% | 18.39% | 12.27% | 1.98% |
| Q1 2024 | 17.65% | 17.65% | 18.90% | 11.67% | 2.25% |
| Q2 2024 | 17.97% | 17.97% | 19.22% | 11.93% | 2.18% |
| Q3 2024 | 19.17% | 19.17% | 20.43% | 12.99% | 3.13% |
| Q4 2024 | 18.92% | 18.92% | 20.17% | 13.23% | 1.91% |
| Q1 2025 | 19.25% | 19.25% | 20.50% | 12.91% | 2.70% |
| Q2 2025 | 42.07% | 42.07% | 43.33% | 25.19% | -2.00% |
| Q3 2025 | 34.21% | 34.21% | 35.03% | 15.92% | 2.61% |
| Q4 2025 | 32.24% | 32.24% | 32.97% | 15.44% | 2.21% |
| Q1 2026 | 31.29% | 31.29% | 31.99% | 15.36% | 1.32% |
| Q2 2026 | 33.25% | 33.25% | 33.97% | 15.33% | 1.81% |
Bank19 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank19, 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 Bank19 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3335) · FFIEC NIC profile (RSSD 373553)