BANK7: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 100.19 percentage points higher than in Q1 2026, at 309.91%. Within Oklahoma, BANK7 is 57th of 169 on return on assets, 1.79% as of Q2 2026. BANK7 reported 1.79% on return on assets for Q2 2026, 0.52 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.36% |
| Tier 1 leverage ratio | 13.88% |
| Equity capital to assets | 13.86% |
| Tangible equity to tangible assets | 13.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.47% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 309.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 12.74% |
| Net interest margin | 4.81% |
| Efficiency ratio | 51.88% |
| Yield on earning assets | 6.78% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.84% |
| Core deposits to total deposits | 70.94% |
| Brokered deposits to total deposits | 22.98% |
| Deposits to assets | 85.60% |
| Securities to assets | 2.70% |
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 | 11.40% | 11.40% | 12.65% | 9.75% | 1.82% |
| Q4 2023 | 11.50% | 11.50% | 12.75% | 9.50% | 0.24% |
| Q1 2024 | 12.11% | 12.11% | 13.36% | 10.10% | 2.57% |
| Q2 2024 | 13.03% | 13.03% | 14.28% | 11.12% | 2.73% |
| Q3 2024 | 12.93% | 12.93% | 14.12% | 11.64% | 2.74% |
| Q4 2024 | 13.99% | 13.99% | 15.22% | 12.18% | 2.58% |
| Q1 2025 | 14.03% | 14.03% | 15.25% | 12.39% | 2.38% |
| Q2 2025 | 13.90% | 13.90% | 15.06% | 12.49% | 2.47% |
| Q3 2025 | 14.23% | 14.23% | 15.44% | 12.71% | 2.35% |
| Q4 2025 | 14.09% | 14.09% | 15.25% | 12.82% | 2.28% |
| Q1 2026 | 14.79% | 14.79% | 15.96% | 13.24% | 2.52% |
| Q2 2026 | 15.18% | 15.18% | 16.36% | 13.88% | 1.79% |
BANK7 vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK7, 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 BANK7 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4147) · FFIEC NIC profile (RSSD 18854)