C3bank, N.A.: 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 Brokered deposits to total deposits: 10.70 percentage points higher than in Q1 2026, at 21.79%. C3bank, N.A. ranks 49th of 114 California banks on return on assets, in the upper half at 1.16% (Q2 2026). C3bank, N.A. reported 1.16% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.57% |
| Tier 1 risk-based capital ratio | 16.57% |
| Total risk-based capital ratio | 17.83% |
| Tier 1 leverage ratio | 10.59% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
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 | 1.38% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 11.10% |
| Net interest margin | 3.83% |
| Efficiency ratio | 56.69% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.98% |
| Core deposits to total deposits | 72.43% |
| Brokered deposits to total deposits | 21.79% |
| Deposits to assets | 88.11% |
| Securities to assets | 3.58% |
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 | 13.17% | 13.17% | 14.42% | 9.09% | 1.39% |
| Q4 2023 | 13.71% | 13.71% | 14.96% | 9.23% | 1.02% |
| Q1 2024 | 13.98% | 13.98% | 15.24% | 9.16% | 1.12% |
| Q2 2024 | 13.56% | 13.56% | 14.82% | 9.46% | 1.27% |
| Q3 2024 | 14.88% | 14.88% | 16.14% | 10.35% | 1.25% |
| Q4 2024 | 15.92% | 15.92% | 17.17% | 9.78% | 1.17% |
| Q1 2025 | 16.74% | 16.74% | 17.99% | 8.98% | 1.07% |
| Q2 2025 | 15.64% | 15.64% | 16.89% | 9.53% | 1.21% |
| Q3 2025 | 16.11% | 16.11% | 17.36% | 9.55% | 1.29% |
| Q4 2025 | 15.79% | 15.79% | 17.04% | 9.97% | 1.28% |
| Q1 2026 | 15.80% | 15.80% | 17.05% | 10.26% | 1.27% |
| Q2 2026 | 16.57% | 16.57% | 17.83% | 10.59% | 1.16% |
C3bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock C3bank, N.A., 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 C3bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)