The Callaway 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 21.17 percentage points in Q2 2026, from 154.10% to 175.27%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Callaway Bank is 93rd of 192 on return on assets, 1.49% as of Q2 2026, above the middle of the field. The Callaway Bank reported 1.49% on return on assets for Q2 2026, 0.23 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.17% |
| Texas ratio | 5.43% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 175.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 15.60% |
| Net interest margin | 4.52% |
| Efficiency ratio | 59.52% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.88% |
| Core deposits to total deposits | 93.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.99% |
| Securities to assets | 14.85% |
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 | 9.08% | 0.47% | 3.19% | 0.39% | 0.05% |
| Q4 2023 | 9.20% | 0.60% | 3.38% | 0.44% | 0.05% |
| Q1 2024 | 9.26% | 0.67% | 3.36% | 0.37% | 0.02% |
| Q2 2024 | 9.45% | 0.80% | 3.57% | 0.36% | 0.01% |
| Q3 2024 | 9.48% | 0.65% | 3.66% | 0.37% | 0.04% |
| Q4 2024 | 9.07% | 0.87% | 3.78% | 0.46% | 0.09% |
| Q1 2025 | 9.34% | 0.97% | 3.81% | 0.33% | 0.02% |
| Q2 2025 | 9.65% | 1.26% | 4.14% | 0.46% | -0.05% |
| Q3 2025 | 9.69% | 1.02% | 4.21% | 0.74% | 0.30% |
| Q4 2025 | 9.79% | 0.80% | 4.38% | 0.61% | 0.61% |
| Q1 2026 | 9.81% | 1.26% | 4.31% | 0.71% | 0.04% |
| Q2 2026 | 10.12% | 1.49% | 4.52% | 0.66% | -0.17% |
The Callaway Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Callaway 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 Callaway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12223) · FFIEC NIC profile (RSSD 719656)