Bna 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: 13.23 percentage points lower than in Q1 2026, at 119.38%. Within Mississippi, Bna Bank is 13th of 57 on return on assets, 1.61% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bna Bank sits 0.35 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 18.88% |
| Tier 1 leverage ratio | 12.49% |
| Equity capital to assets | 11.01% |
| Tangible equity to tangible assets | 11.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.81% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 119.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 14.57% |
| Net interest margin | 3.82% |
| Efficiency ratio | 44.87% |
| Yield on earning assets | 5.83% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.78% |
| Core deposits to total deposits | 86.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.99% |
| Securities to assets | 26.11% |
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 | 16.76% | 16.76% | 18.01% | 11.20% | 1.20% |
| Q4 2023 | 16.68% | 16.68% | 17.93% | 11.01% | 2.01% |
| Q1 2024 | 17.25% | 17.25% | 18.51% | 11.28% | 1.20% |
| Q2 2024 | 17.40% | 17.40% | 18.65% | 11.60% | 1.32% |
| Q3 2024 | 18.08% | 18.08% | 19.33% | 11.96% | 1.24% |
| Q4 2024 | 17.74% | 17.74% | 18.99% | 11.81% | 2.10% |
| Q1 2025 | 18.20% | 18.20% | 19.45% | 12.10% | 1.70% |
| Q2 2025 | 18.42% | 18.42% | 19.67% | 12.28% | 1.50% |
| Q3 2025 | 18.35% | 18.35% | 19.60% | 12.59% | 1.71% |
| Q4 2025 | 16.88% | 16.88% | 18.13% | 11.78% | 0.65% |
| Q1 2026 | 17.60% | 17.60% | 18.37% | 11.87% | 1.63% |
| Q2 2026 | 18.04% | 18.04% | 18.88% | 12.49% | 1.61% |
Bna Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bna 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 Bna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19448) · FFIEC NIC profile (RSSD 916745)