Caldwell Bank & Trust Company: 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 dropped 20.80 percentage points in Q2 2026, from 81.07% to 60.27%. It was the largest change from Q1 2026 among the key lines here. Caldwell Bank & Trust Company ranks 85th of 103 Louisiana banks on return on assets, in the lower half at 0.56% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Caldwell Bank & Trust Company reported 0.56% on return on assets in Q2 2026, 0.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.90% |
| Non-performing assets ratio | 1.70% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 24.30% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 60.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 5.69% |
| Net interest margin | 4.28% |
| Efficiency ratio | 87.22% |
| Yield on earning assets | 7.10% |
| Cost of funds | 2.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.63% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 10.23% |
| Deposits to assets | 86.27% |
| Securities to assets | 4.51% |
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 | 9.17% | 0.92% | 4.06% | 0.41% | -0.01% |
| Q4 2023 | 9.22% | 1.33% | 3.97% | 0.65% | 0.23% |
| Q1 2024 | 9.21% | 1.06% | 4.47% | 0.33% | -0.01% |
| Q2 2024 | 9.31% | 1.68% | 4.66% | 0.41% | 0.12% |
| Q3 2024 | 9.11% | 0.99% | 4.57% | 0.46% | 0.02% |
| Q4 2024 | 8.40% | -0.35% | 4.43% | 0.57% | 0.31% |
| Q1 2025 | 9.38% | 1.26% | 4.79% | 1.10% | 0.31% |
| Q2 2025 | 9.41% | 1.52% | 4.64% | 0.93% | 0.03% |
| Q3 2025 | 9.63% | 1.16% | 4.71% | 0.65% | 0.40% |
| Q4 2025 | 9.80% | 0.80% | 4.56% | 0.56% | 0.59% |
| Q1 2026 | 10.03% | 1.41% | 4.34% | 1.45% | 0.01% |
| Q2 2026 | 10.03% | 0.56% | 4.28% | 1.90% | 0.01% |
Caldwell Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Caldwell Bank & Trust Company, 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 Caldwell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11785) · FFIEC NIC profile (RSSD 925354)