Cass Commercial 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: 416.03 percentage points higher than in Q1 2026, at 840.72%. Cass Commercial Bank ranks 31st of 192 Missouri banks on return on assets, in the upper half at 2.18% (Q2 2026). Cass Commercial Bank's return on assets of 2.18% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.90 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.16% |
| Tier 1 risk-based capital ratio | 17.16% |
| Total risk-based capital ratio | 18.40% |
| Tier 1 leverage ratio | 14.10% |
| Equity capital to assets | 14.63% |
| Tangible equity to tangible assets | 14.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.79% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 840.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 15.35% |
| Net interest margin | 3.97% |
| Efficiency ratio | 35.36% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.32% |
| Core deposits to total deposits | 97.02% |
| Brokered deposits to total deposits | 2.27% |
| Deposits to assets | 84.15% |
| Securities to assets | 4.24% |
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 | 16.98% | 16.98% | 18.14% | 12.17% | 1.66% |
| Q4 2023 | 17.88% | 17.88% | 19.04% | 12.49% | 1.81% |
| Q1 2024 | 17.54% | 17.54% | 18.68% | 12.83% | 1.62% |
| Q2 2024 | 17.07% | 17.07% | 18.21% | 14.00% | 1.69% |
| Q3 2024 | 16.94% | 16.94% | 18.06% | 13.61% | 1.90% |
| Q4 2024 | 16.56% | 16.56% | 17.68% | 13.50% | 0.98% |
| Q1 2025 | 16.71% | 16.71% | 17.89% | 13.04% | 1.85% |
| Q2 2025 | 17.84% | 17.84% | 19.05% | 14.45% | 2.18% |
| Q3 2025 | 18.41% | 18.41% | 19.63% | 14.16% | 2.05% |
| Q4 2025 | 18.40% | 18.40% | 19.61% | 14.48% | 2.09% |
| Q1 2026 | 18.11% | 18.11% | 19.31% | 14.54% | 2.17% |
| Q2 2026 | 17.16% | 17.16% | 18.40% | 14.10% | 2.18% |
Cass Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cass Commercial 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 Cass Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1068) · FFIEC NIC profile (RSSD 177751)