Bank47: 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 climbed 1734.37 percentage points in Q2 2026, from 391.30% to 2125.68%. It was the largest change from Q1 2026 among the key lines here. Bank47 has the 2nd lowest return on assets of the 93 banks headquartered in Alabama, at -3.28% as of Q2 2026. Bank47's return on assets of -3.28% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 4.26 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.97% |
| Equity capital to assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.18% |
| Allowance for credit losses to loans | 2.41% |
| Reserve coverage of non-performing loans | 2125.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.28% |
| Return on equity | -35.94% |
| Net interest margin | 2.99% |
| Efficiency ratio | 186.82% |
| Yield on earning assets | 5.08% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.31% |
| Core deposits to total deposits | 88.96% |
| Brokered deposits to total deposits | 2.81% |
| Deposits to assets | 90.41% |
| Securities to assets | 19.81% |
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 | 21.24% | 21.24% | 22.52% | 9.01% | 0.36% |
| Q4 2023 | 21.17% | 21.17% | 22.46% | 9.12% | -0.81% |
| Q1 2024 | 63.15% | 63.15% | 64.43% | 24.14% | -2.73% |
| Q2 2024 | 64.64% | 64.64% | 65.93% | 22.40% | -2.86% |
| Q3 2024 | 42.84% | 42.84% | 44.10% | 20.23% | -2.50% |
| Q4 2024 | 40.04% | 40.04% | 41.30% | 18.25% | -4.14% |
| Q1 2025 | 33.65% | 33.65% | 34.91% | 17.07% | -4.05% |
| Q2 2025 | 26.01% | 26.01% | 27.28% | 16.33% | -5.10% |
| Q3 2025 | 26.62% | 26.62% | 27.89% | 16.43% | -6.52% |
| Q4 2025 | 22.35% | 22.35% | 23.62% | 13.61% | -5.84% |
| Q1 2026 | — | — | — | 13.50% | -5.28% |
| Q2 2026 | — | — | — | 12.97% | -3.28% |
Bank47 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank47, 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 Bank47 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32968) · FFIEC NIC profile (RSSD 1474309)