Banner Capital Bank: 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 21.30 percentage points in Q2 2026, from 219.01% to 240.30%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Banner Capital Bank is 17th of 138 on return on assets, 2.12% as of Q2 2026, above the middle of the field. Banner Capital Bank's return on assets of 2.12% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 13.21% |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 10.84% |
| Tangible equity to tangible assets | 10.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 9.53% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 240.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 19.50% |
| Net interest margin | 4.62% |
| Efficiency ratio | 49.96% |
| Yield on earning assets | 6.82% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.79% |
| Core deposits to total deposits | 85.23% |
| Brokered deposits to total deposits | 3.77% |
| Deposits to assets | 88.27% |
| Securities to assets | 9.13% |
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 | 11.10% | 11.10% | 12.14% | 10.67% | 1.57% |
| Q4 2023 | 10.96% | 10.96% | 12.00% | 10.44% | 2.01% |
| Q1 2024 | 11.33% | 11.33% | 12.43% | 10.82% | 1.81% |
| Q2 2024 | 11.13% | 11.13% | 12.23% | 10.82% | 2.01% |
| Q3 2024 | 11.24% | 11.24% | 12.38% | 10.57% | 2.11% |
| Q4 2024 | 11.76% | 11.76% | 12.98% | 10.30% | 1.71% |
| Q1 2025 | 12.13% | 12.13% | 13.38% | 10.54% | 1.80% |
| Q2 2025 | 12.28% | 12.28% | 13.53% | 10.78% | 1.97% |
| Q3 2025 | 12.10% | 12.10% | 13.35% | 10.86% | 1.97% |
| Q4 2025 | 12.19% | 12.19% | 13.44% | 10.77% | 2.67% |
| Q1 2026 | 12.20% | 12.20% | 13.45% | 10.76% | 1.64% |
| Q2 2026 | 11.96% | 11.96% | 13.21% | 10.96% | 2.12% |
Banner Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banner Capital Bank, 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 Banner Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19274) · FFIEC NIC profile (RSSD 275255)