BANK419: 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.
Securities to assets climbed 4.12 percentage points in Q2 2026, from 14.89% to 19.01%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, BANK419 is 125th of 156 on return on assets, 0.54% as of Q2 2026. The median for banks in the < $100M asset tier is 1.00% on return on assets. BANK419 sits 0.46 points lower, at 0.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 9.27% |
| Equity capital to assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.42% |
| Non-performing assets ratio | 1.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 10.31% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 90.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 6.24% |
| Net interest margin | 4.59% |
| Efficiency ratio | 86.56% |
| Yield on earning assets | 5.38% |
| Cost of funds | 0.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.39% |
| Core deposits to total deposits | 92.89% |
| Brokered deposits to total deposits | 2.79% |
| Deposits to assets | 90.53% |
| Securities to assets | 19.01% |
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 | 13.09% | 13.09% | 14.34% | 8.79% | 0.44% |
| Q4 2023 | 12.50% | 12.50% | 13.74% | 8.44% | 0.41% |
| Q1 2024 | 12.85% | 12.85% | 14.10% | 8.42% | 0.48% |
| Q2 2024 | 12.71% | 12.71% | 13.95% | 8.67% | 0.46% |
| Q3 2024 | 12.68% | 12.68% | 13.92% | 8.89% | 0.52% |
| Q4 2024 | 13.10% | 13.10% | 14.32% | 9.02% | 0.46% |
| Q1 2025 | 13.39% | 13.39% | 14.64% | 9.30% | 0.37% |
| Q2 2025 | 12.99% | 12.99% | 14.24% | 9.31% | 0.62% |
| Q3 2025 | 12.84% | 12.84% | 14.09% | 9.27% | 0.52% |
| Q4 2025 | 12.76% | 12.76% | 14.01% | 9.09% | 0.52% |
| Q1 2026 | 13.14% | 13.14% | 14.39% | 9.03% | 0.62% |
| Q2 2026 | 13.61% | 13.61% | 14.86% | 9.27% | 0.54% |
BANK419 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK419, 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 BANK419 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16167) · FFIEC NIC profile (RSSD 533227)