Bankvista: 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 Brokered deposits to total deposits: 3.04 percentage points lower than in Q1 2026, at 2.77%. Within Minnesota, Bankvista is 130th of 221 on return on assets, 1.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Bankvista reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.80% |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 9.77% |
| Tangible equity to tangible assets | 9.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.97% |
| Non-performing assets ratio | 3.59% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 33.85% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 35.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 12.94% |
| Net interest margin | 3.90% |
| Efficiency ratio | 51.90% |
| Yield on earning assets | 6.43% |
| Cost of funds | 2.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.04% |
| Core deposits to total deposits | 84.72% |
| Brokered deposits to total deposits | 2.77% |
| Deposits to assets | 83.03% |
| Securities to assets | 3.57% |
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 | 11.37% | 11.37% | 12.63% | 9.98% | 0.87% |
| Q4 2023 | 11.19% | 11.19% | 12.45% | 9.90% | 1.03% |
| Q1 2024 | 10.97% | 10.97% | 12.22% | 9.41% | 0.39% |
| Q2 2024 | 10.95% | 10.95% | 12.20% | 9.36% | 0.59% |
| Q3 2024 | 11.26% | 11.26% | 12.52% | 9.39% | 0.69% |
| Q4 2024 | 10.92% | 10.92% | 12.18% | 9.55% | 0.36% |
| Q1 2025 | 11.41% | 11.41% | 12.67% | 9.35% | 0.79% |
| Q2 2025 | 11.12% | 11.12% | 12.37% | 9.48% | 0.84% |
| Q3 2025 | 11.23% | 11.23% | 12.48% | 9.49% | 1.00% |
| Q4 2025 | 11.38% | 11.38% | 12.64% | 9.80% | 1.09% |
| Q1 2026 | 11.35% | 11.35% | 12.60% | 9.85% | 1.24% |
| Q2 2026 | 11.54% | 11.54% | 12.80% | 9.93% | 1.25% |
Bankvista vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankvista, 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 Bankvista profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35406) · FFIEC NIC profile (RSSD 2849285)