Benchmark 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: 47.72 percentage points lower than in Q1 2026, at 480.29%. Benchmark Bank ranks 148th of 345 Texas banks on return on assets, in the upper half at 1.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Benchmark Bank sits 0.33 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 8.47% |
| Equity capital to assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.28% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 480.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 20.50% |
| Net interest margin | 4.13% |
| Efficiency ratio | 65.57% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.83% |
| Core deposits to total deposits | 96.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.68% |
| Securities to assets | 0.51% |
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 | 14.76% | 14.76% | 15.89% | 9.83% | 1.33% |
| Q4 2023 | 14.46% | 14.46% | 15.71% | 9.61% | 2.10% |
| Q1 2024 | 13.21% | 13.21% | 14.41% | 9.96% | 1.24% |
| Q2 2024 | 12.93% | 12.93% | 14.15% | 9.76% | 1.67% |
| Q3 2024 | 13.02% | 13.02% | 14.12% | 9.71% | 2.03% |
| Q4 2024 | 13.55% | 13.55% | 14.78% | 9.21% | 1.62% |
| Q1 2025 | 12.54% | 12.54% | 13.59% | 9.58% | 1.62% |
| Q2 2025 | 12.62% | 12.62% | 13.73% | 9.23% | 1.44% |
| Q3 2025 | 11.22% | 11.22% | 12.24% | 8.81% | 1.45% |
| Q4 2025 | 10.76% | 10.76% | 11.80% | 7.67% | 0.96% |
| Q1 2026 | 10.52% | 10.52% | 11.67% | 7.42% | 0.01% |
| Q2 2026 | 11.89% | 11.89% | 13.11% | 8.47% | 1.60% |
Benchmark Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark 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 Benchmark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19215) · FFIEC NIC profile (RSSD 980960)