Boc 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.
Loan-to-deposit ratio climbed 7.12 percentage points in Q2 2026, from 78.76% to 85.88%. It was the largest change from Q1 2026 among the key lines here. Boc Bank ranks 105th of 345 Texas banks on return on assets, in the upper half at 1.76% (Q2 2026). Boc Bank reported 1.76% on return on assets for Q2 2026, 0.51 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.02% |
| Tier 1 risk-based capital ratio | 16.02% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 12.41% |
| Equity capital to assets | 12.67% |
| Tangible equity to tangible assets | 12.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 14.70% |
| Net interest margin | 4.31% |
| Efficiency ratio | 59.68% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.88% |
| Core deposits to total deposits | 92.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.91% |
| Securities to assets | 16.64% |
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 | 18.91% | 18.91% | 20.16% | 9.01% | 0.32% |
| Q4 2023 | 15.64% | 15.64% | 16.89% | 8.15% | 0.54% |
| Q1 2024 | 15.98% | 15.98% | 17.23% | 8.66% | 0.83% |
| Q2 2024 | 16.04% | 16.04% | 17.29% | 10.47% | 0.79% |
| Q3 2024 | 14.59% | 14.59% | 15.84% | 10.04% | 1.21% |
| Q4 2024 | 14.28% | 14.28% | 15.53% | 10.06% | 2.03% |
| Q1 2025 | 14.89% | 14.89% | 16.14% | 10.40% | 1.61% |
| Q2 2025 | 15.75% | 15.75% | 16.91% | 11.28% | 2.08% |
| Q3 2025 | 17.88% | 17.88% | 19.13% | 12.46% | 2.09% |
| Q4 2025 | 15.52% | 15.52% | 16.77% | 11.07% | -0.26% |
| Q1 2026 | 14.40% | 14.40% | 15.66% | 10.08% | 1.85% |
| Q2 2026 | 16.02% | 16.02% | 17.27% | 12.41% | 1.76% |
Boc Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Boc 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 Boc Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25328) · FFIEC NIC profile (RSSD 352651)