Burling 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: 104.80 percentage points lower than in Q1 2026, at 34.37%. On return on assets, Burling Bank ranks 24th highest among the 323 banks headquartered in Illinois, at 2.08% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Burling Bank reported 2.08% on return on assets in Q2 2026, 0.82 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.65% |
| Equity capital to assets | 14.85% |
| Tangible equity to tangible assets | 14.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.77% |
| Non-performing assets ratio | 3.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 19.50% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 34.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.08% |
| Return on equity | 15.70% |
| Net interest margin | 4.49% |
| Efficiency ratio | 54.37% |
| Yield on earning assets | 5.88% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.66% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 8.32% |
| Deposits to assets | 84.19% |
| Securities to assets | 8.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.99% | 2.15% | 4.19% | 0.59% | 0.00% |
| Q4 2023 | 11.46% | 2.03% | 4.23% | 0.57% | 0.00% |
| Q1 2024 | 11.11% | 2.02% | 4.11% | 0.53% | 0.00% |
| Q2 2024 | 11.60% | 2.59% | 4.62% | 0.55% | 0.00% |
| Q3 2024 | 11.84% | 2.86% | 4.84% | 0.54% | 0.00% |
| Q4 2024 | 12.84% | 1.74% | 4.74% | 0.57% | 0.00% |
| Q1 2025 | 13.65% | 2.36% | 4.88% | 0.57% | 0.00% |
| Q2 2025 | 13.54% | 2.54% | 5.15% | 0.00% | 2.33% |
| Q3 2025 | 14.65% | 2.32% | 4.92% | 0.39% | 0.00% |
| Q4 2025 | 15.10% | 3.05% | 5.06% | 0.53% | 0.00% |
| Q1 2026 | 13.96% | 2.51% | 4.70% | 0.96% | 0.00% |
| Q2 2026 | 13.65% | 2.08% | 4.49% | 3.77% | 0.00% |
Burling Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Burling 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 Burling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27556) · FFIEC NIC profile (RSSD 1404883)