Better Banks: 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 11.07 percentage points in Q2 2026, from 97.30% to 86.24%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Better Banks is 194th of 323 on return on assets, 1.05% as of Q2 2026. Better Banks reported 1.05% on return on assets for Q2 2026, 0.20 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.36% |
| Tier 1 risk-based capital ratio | 13.36% |
| Total risk-based capital ratio | 14.61% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 7.96% |
| Tangible equity to tangible assets | 7.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.53% |
| Non-performing assets ratio | 1.13% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 13.49% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 86.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 13.22% |
| Net interest margin | 3.93% |
| Efficiency ratio | 72.72% |
| Yield on earning assets | 4.98% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.84% |
| Core deposits to total deposits | 96.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.30% |
| Securities to assets | 25.19% |
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 | 12.28% | 12.28% | 13.53% | 8.17% | 0.69% |
| Q4 2023 | 12.21% | 12.21% | 13.46% | 8.18% | 0.53% |
| Q1 2024 | 12.45% | 12.45% | 13.70% | 8.22% | 0.56% |
| Q2 2024 | 12.67% | 12.67% | 13.92% | 8.44% | 0.74% |
| Q3 2024 | 12.93% | 12.93% | 14.18% | 8.60% | 0.79% |
| Q4 2024 | 13.34% | 13.34% | 14.59% | 9.01% | 1.13% |
| Q1 2025 | 13.35% | 13.35% | 14.60% | 8.98% | 0.88% |
| Q2 2025 | 13.13% | 13.13% | 14.38% | 9.13% | 0.91% |
| Q3 2025 | 13.16% | 13.16% | 14.41% | 9.15% | 0.92% |
| Q4 2025 | 13.35% | 13.35% | 14.60% | 9.35% | 1.02% |
| Q1 2026 | 13.37% | 13.37% | 14.62% | 9.40% | 1.21% |
| Q2 2026 | 13.36% | 13.36% | 14.61% | 9.43% | 1.05% |
Better Banks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Better Banks, 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 Better Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1808) · FFIEC NIC profile (RSSD 851631)