Belgrade 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 52.82 percentage points higher than in Q1 2026, at 310.96%. Belgrade State Bank ranks 68th of 192 Missouri banks on return on assets, in the upper half at 1.69% (Q2 2026). Belgrade State Bank reported 1.69% on return on assets for Q2 2026, 0.44 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.29% |
| Tier 1 leverage ratio | 10.13% |
| Equity capital to assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.09% |
| Texas ratio | 4.16% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 310.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 19.05% |
| Net interest margin | 4.31% |
| Efficiency ratio | 53.07% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.22% |
| Core deposits to total deposits | 82.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.39% |
| Securities to assets | 15.07% |
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 | 13.93% | 13.93% | 15.10% | 9.27% | 1.40% |
| Q4 2023 | 13.60% | 13.60% | 14.85% | 9.29% | 1.10% |
| Q1 2024 | 13.58% | 13.58% | 14.83% | 9.38% | 1.38% |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 9.29% | 1.37% |
| Q3 2024 | 13.93% | 13.93% | 15.12% | 9.41% | 1.49% |
| Q4 2024 | 13.87% | 13.87% | 15.12% | 9.46% | 1.17% |
| Q1 2025 | 14.04% | 14.04% | 15.28% | 9.66% | 1.44% |
| Q2 2025 | 14.12% | 14.12% | 15.32% | 9.64% | 1.74% |
| Q3 2025 | 14.40% | 14.40% | 15.57% | 9.76% | 1.49% |
| Q4 2025 | 14.34% | 14.34% | 15.59% | 9.66% | 0.74% |
| Q1 2026 | 15.09% | 15.09% | 16.31% | 9.81% | 1.49% |
| Q2 2026 | 15.07% | 15.07% | 16.29% | 10.13% | 1.69% |
Belgrade State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belgrade 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 Belgrade State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12208) · FFIEC NIC profile (RSSD 761244)