The Buckholts State 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 Securities to assets: 2.72 percentage points higher than in Q1 2026, at 25.41%. On return on assets, The Buckholts State Bank ranks 9th highest among the 345 banks headquartered in Texas, at 2.91% (Q2 2026). The Buckholts State Bank's return on assets of 2.91% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.11% |
| Tier 1 risk-based capital ratio | 28.11% |
| Total risk-based capital ratio | 28.92% |
| Tier 1 leverage ratio | 17.62% |
| Equity capital to assets | 17.48% |
| Tangible equity to tangible assets | 17.48% |
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 | 0.07% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.91% |
| Return on equity | 16.65% |
| Net interest margin | 4.49% |
| Efficiency ratio | 36.04% |
| Yield on earning assets | 5.51% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.98% |
| Core deposits to total deposits | 87.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.40% |
| Securities to assets | 25.41% |
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 | 24.20% | 24.20% | 25.11% | 15.83% | 2.77% |
| Q4 2023 | 25.16% | 25.16% | 26.07% | 16.59% | 2.53% |
| Q1 2024 | 25.18% | 25.18% | 26.09% | 16.86% | 2.85% |
| Q2 2024 | 25.85% | 25.85% | 26.76% | 16.90% | 2.86% |
| Q3 2024 | 26.86% | 26.86% | 27.77% | 17.05% | 2.80% |
| Q4 2024 | 26.97% | 26.97% | 27.86% | 17.21% | 2.22% |
| Q1 2025 | 27.39% | 27.39% | 28.28% | 17.18% | 2.79% |
| Q2 2025 | 27.91% | 27.91% | 28.79% | 17.24% | 3.00% |
| Q3 2025 | 28.22% | 28.22% | 29.08% | 17.44% | 3.02% |
| Q4 2025 | 29.32% | 29.32% | 30.18% | 16.88% | 2.71% |
| Q1 2026 | 28.70% | 28.70% | 29.55% | 17.35% | 2.85% |
| Q2 2026 | 28.11% | 28.11% | 28.92% | 17.62% | 2.91% |
The Buckholts State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Buckholts State 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 The Buckholts State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11916) · FFIEC NIC profile (RSSD 53051)