Bankcda: 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 Tangible equity to tangible assets: 2.30 percentage points lower than in Q1 2026, at 10.94%. Bankcda has the 3rd lowest return on assets of the 10 banks headquartered in Idaho, at 0.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bankcda sits 0.36 points lower, at 0.89% (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 | 11.45% |
| Equity capital to assets | 10.95% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.70% |
| Non-performing assets ratio | 1.64% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 13.82% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 55.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 7.45% |
| Net interest margin | 4.53% |
| Efficiency ratio | 75.64% |
| Yield on earning assets | 5.35% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.87% |
| Core deposits to total deposits | 98.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 30.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.90% | 1.05% | 3.54% | 0.05% | -0.01% |
| Q4 2023 | 12.01% | 1.10% | 3.48% | 0.05% | -0.04% |
| Q1 2024 | 12.07% | 0.76% | 3.38% | 0.00% | -0.01% |
| Q2 2024 | 12.37% | 0.76% | 3.33% | 0.00% | -0.01% |
| Q3 2024 | 12.22% | 0.54% | 3.43% | 0.00% | -0.02% |
| Q4 2024 | 12.35% | 1.03% | 3.68% | 0.00% | -0.01% |
| Q1 2025 | 12.70% | 0.55% | 3.80% | 0.00% | -0.01% |
| Q2 2025 | 13.49% | 0.78% | 4.29% | 0.46% | -0.02% |
| Q3 2025 | 13.33% | 0.83% | 4.43% | 0.47% | -0.01% |
| Q4 2025 | 12.88% | 1.03% | 4.21% | 2.92% | 0.00% |
| Q1 2026 | 13.66% | 0.81% | 4.37% | 2.87% | 0.00% |
| Q2 2026 | 11.45% | 0.89% | 4.53% | 2.70% | -0.03% |
Bankcda vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankcda, 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 Bankcda profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57074) · FFIEC NIC profile (RSSD 3010363)