Capitol National 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: 34.13 percentage points higher than in Q1 2026, at 289.79%. Capitol National Bank ranks 12th of 72 Michigan banks on return on assets, in the upper half at 1.83% (Q2 2026). Capitol National Bank reported 1.83% on return on assets for Q2 2026, 0.58 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 | 16.74% |
| Equity capital to assets | 15.98% |
| Tangible equity to tangible assets | 15.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.34% |
| Allowance for credit losses to loans | 2.33% |
| Reserve coverage of non-performing loans | 289.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 11.08% |
| Net interest margin | 5.23% |
| Efficiency ratio | 57.51% |
| Yield on earning assets | 6.23% |
| Cost of funds | 1.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.13% |
| Core deposits to total deposits | 94.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.47% |
| Securities to assets | 1.15% |
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 | 12.55% | 1.67% | 5.56% | 0.74% | 0.00% |
| Q4 2023 | 13.19% | 2.16% | 5.66% | 0.37% | -0.24% |
| Q1 2024 | 14.08% | 2.21% | 5.82% | 0.30% | -0.02% |
| Q2 2024 | 13.84% | 2.08% | 5.57% | 0.26% | 0.00% |
| Q3 2024 | 12.84% | 2.06% | 5.48% | 0.16% | 0.19% |
| Q4 2024 | 13.43% | 1.98% | 5.52% | 0.14% | 0.00% |
| Q1 2025 | 15.33% | 1.87% | 5.31% | 0.12% | -0.01% |
| Q2 2025 | 15.79% | 2.04% | 5.46% | 0.12% | 0.00% |
| Q3 2025 | 15.31% | 1.96% | 5.22% | 0.11% | 0.00% |
| Q4 2025 | 15.72% | 2.27% | 5.29% | 0.73% | 0.00% |
| Q1 2026 | 16.17% | 1.85% | 5.02% | 0.94% | 0.00% |
| Q2 2026 | 16.74% | 1.83% | 5.23% | 0.80% | 0.00% |
Capitol National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol National 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 Capitol National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24199) · FFIEC NIC profile (RSSD 285544)