The Baxter State 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 dropped 168.98 percentage points in Q2 2026, from 321.54% to 152.55%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Baxter State Bank is 91st of 182 on return on assets, 1.47% as of Q2 2026. The Baxter State Bank reported 1.47% on return on assets for Q2 2026, 0.47 points above the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.75% |
| Equity capital to assets | 19.79% |
| Tangible equity to tangible assets | 19.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.55% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | 152.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 7.55% |
| Net interest margin | 5.89% |
| Efficiency ratio | 74.86% |
| Yield on earning assets | 6.21% |
| Cost of funds | 0.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.09% |
| Core deposits to total deposits | 94.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.48% |
| Securities to assets | 21.23% |
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 | 21.11% | 0.11% | 4.29% | 4.32% | 0.10% |
| Q4 2023 | 21.32% | 0.24% | 4.56% | 4.23% | -0.07% |
| Q1 2024 | 21.55% | 0.19% | 4.59% | 3.79% | 0.00% |
| Q2 2024 | 21.63% | 0.42% | 4.61% | 4.48% | 0.66% |
| Q3 2024 | 21.83% | 0.44% | 5.03% | 3.28% | 0.03% |
| Q4 2024 | 22.38% | 0.74% | 5.84% | 2.37% | 0.00% |
| Q1 2025 | 21.78% | 0.55% | 5.19% | 3.34% | 0.00% |
| Q2 2025 | 22.49% | 0.83% | 5.52% | 2.27% | 0.00% |
| Q3 2025 | 22.31% | 0.49% | 5.53% | 3.49% | 0.00% |
| Q4 2025 | 20.10% | -6.39% | 5.81% | 1.88% | 0.00% |
| Q1 2026 | 19.83% | 0.97% | 5.66% | 0.50% | 0.00% |
| Q2 2026 | 19.75% | 1.47% | 5.89% | 1.11% | 0.00% |
The Baxter State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baxter State 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 The Baxter State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12432) · FFIEC NIC profile (RSSD 1000856)