CBBC 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: 5.89 percentage points higher than in Q1 2026, at 506.30%. Within Tennessee, CBBC Bank is 45th of 109 on return on assets, 1.24% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets; CBBC Bank reported 1.24% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.06% |
| Tier 1 risk-based capital ratio | 21.06% |
| Total risk-based capital ratio | 22.31% |
| Tier 1 leverage ratio | 14.22% |
| Equity capital to assets | 11.58% |
| Tangible equity to tangible assets | 11.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.09% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 506.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 11.35% |
| Net interest margin | 3.64% |
| Efficiency ratio | 56.96% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.11% |
| Core deposits to total deposits | 87.31% |
| Brokered deposits to total deposits | 1.04% |
| Deposits to assets | 85.18% |
| Securities to assets | 25.12% |
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 | 21.57% | 21.57% | 22.82% | 14.39% | 1.08% |
| Q4 2023 | 21.04% | 21.04% | 22.29% | 14.81% | 1.22% |
| Q1 2024 | 21.39% | 21.39% | 22.64% | 15.35% | 1.25% |
| Q2 2024 | 21.79% | 21.79% | 23.04% | 15.44% | 1.15% |
| Q3 2024 | 21.49% | 21.49% | 22.75% | 14.13% | 1.05% |
| Q4 2024 | 21.40% | 21.40% | 22.65% | 13.78% | 1.32% |
| Q1 2025 | 21.29% | 21.29% | 22.54% | 14.41% | 0.93% |
| Q2 2025 | 22.11% | 22.11% | 23.36% | 14.14% | 1.19% |
| Q3 2025 | 21.67% | 21.67% | 22.93% | 14.55% | 1.14% |
| Q4 2025 | 19.35% | 19.35% | 20.58% | 14.17% | 1.31% |
| Q1 2026 | 20.78% | 20.78% | 22.03% | 14.35% | 1.00% |
| Q2 2026 | 21.06% | 21.06% | 22.31% | 14.22% | 1.24% |
CBBC Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CBBC 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 CBBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21227) · FFIEC NIC profile (RSSD 218131)