Brannen 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.
Reserve coverage of non-performing loans climbed 38.54 percentage points in Q2 2026, from 124.31% to 162.85%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Brannen Bank is 10th of 79 on return on assets, 1.97% as of Q2 2026, above the middle of the field. Brannen Bank's return on assets of 1.97% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.95% |
| Tier 1 leverage ratio | 6.07% |
| Equity capital to assets | 3.59% |
| Tangible equity to tangible assets | 3.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.90% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 162.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 56.15% |
| Net interest margin | 3.51% |
| Efficiency ratio | 46.89% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.10% |
| Core deposits to total deposits | 89.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 96.22% |
| Securities to assets | 23.85% |
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 | 15.77% | 15.77% | 16.84% | 5.96% | 2.17% |
| Q4 2023 | 14.52% | 14.52% | 15.57% | 5.30% | 2.32% |
| Q1 2024 | 15.60% | 15.60% | 16.65% | 5.89% | 2.07% |
| Q2 2024 | 15.62% | 15.62% | 16.68% | 6.09% | 1.99% |
| Q3 2024 | 15.39% | 15.39% | 16.44% | 6.21% | 1.93% |
| Q4 2024 | 14.16% | 14.16% | 15.23% | 5.37% | 1.82% |
| Q1 2025 | 14.89% | 14.89% | 15.94% | 5.89% | 1.92% |
| Q2 2025 | 14.91% | 14.91% | 15.96% | 5.96% | 1.98% |
| Q3 2025 | 15.07% | 15.07% | 16.11% | 6.08% | 1.98% |
| Q4 2025 | 14.03% | 14.03% | 15.06% | 5.43% | 2.04% |
| Q1 2026 | 14.82% | 14.82% | 15.83% | 5.96% | 1.90% |
| Q2 2026 | 14.94% | 14.94% | 15.95% | 6.07% | 1.97% |
Brannen Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brannen 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 Brannen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5676) · FFIEC NIC profile (RSSD 760331)