Banknorth: 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 dropped 56.15 percentage points in Q2 2026, from 243.86% to 187.72%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Banknorth ranks 5th highest among the 60 banks headquartered in North Dakota, at 2.18% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Banknorth reported 2.18% on return on assets in Q2 2026, 0.92 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.47% |
| Tier 1 risk-based capital ratio | 10.47% |
| Total risk-based capital ratio | 11.51% |
| Tier 1 leverage ratio | 10.32% |
| Equity capital to assets | 11.18% |
| Tangible equity to tangible assets | 10.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.72% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 187.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 19.25% |
| Net interest margin | 4.91% |
| Efficiency ratio | 50.50% |
| Yield on earning assets | 6.75% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.90% |
| Core deposits to total deposits | 87.36% |
| Brokered deposits to total deposits | 5.08% |
| Deposits to assets | 79.19% |
| Securities to assets | 3.37% |
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 | 9.79% | 9.79% | 10.82% | 9.37% | 1.69% |
| Q4 2023 | 9.61% | 9.61% | 10.60% | 9.42% | 1.56% |
| Q1 2024 | 9.64% | 9.64% | 10.60% | 9.52% | 1.71% |
| Q2 2024 | 9.04% | 9.04% | 10.01% | 8.95% | 0.49% |
| Q3 2024 | 9.27% | 9.27% | 10.23% | 8.88% | 1.70% |
| Q4 2024 | 9.87% | 9.87% | 10.83% | 9.23% | 1.95% |
| Q1 2025 | 10.42% | 10.42% | 11.40% | 10.19% | 1.54% |
| Q2 2025 | 10.26% | 10.26% | 11.25% | 10.25% | 1.95% |
| Q3 2025 | 9.97% | 9.97% | 11.00% | 10.13% | 1.41% |
| Q4 2025 | 10.24% | 10.24% | 11.20% | 10.00% | 1.95% |
| Q1 2026 | 10.54% | 10.54% | 11.57% | 10.22% | 1.75% |
| Q2 2026 | 10.47% | 10.47% | 11.51% | 10.32% | 2.18% |
Banknorth vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banknorth, 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 Banknorth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8387) · FFIEC NIC profile (RSSD 721350)