CBW 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 Return on assets: 9.78 percentage points higher than in Q1 2026, at 6.23%. As of Q2 2026, CBW Bank ranks first in Kansas on return on assets among 182 banks, at 6.23%. CBW Bank's return on assets of 6.23% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 5.23 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 146.86% |
| Tier 1 risk-based capital ratio | 146.86% |
| Total risk-based capital ratio | 147.87% |
| Tier 1 leverage ratio | 28.35% |
| Equity capital to assets | 31.30% |
| Tangible equity to tangible assets | 31.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.74% |
| Texas ratio | 0.45% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 146.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 6.23% |
| Return on equity | 22.61% |
| Net interest margin | 3.89% |
| Efficiency ratio | 62.80% |
| Yield on earning assets | 3.91% |
| Cost of funds | 0.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 22.76% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 66.73% |
| Securities to assets | 3.24% |
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 | 106.44% | 106.44% | 107.26% | 25.70% | -2.93% |
| Q4 2023 | 163.67% | 163.67% | 164.92% | 26.27% | 6.18% |
| Q1 2024 | 166.17% | 166.17% | 167.42% | 28.70% | -0.90% |
| Q2 2024 | 100.27% | 100.27% | 101.04% | 27.60% | 1.91% |
| Q3 2024 | 131.54% | 131.54% | 132.56% | 27.01% | 1.62% |
| Q4 2024 | 140.35% | 140.35% | 141.41% | 24.62% | 2.54% |
| Q1 2025 | 186.52% | 186.52% | 187.78% | 27.35% | 0.38% |
| Q2 2025 | 170.22% | 170.22% | 171.47% | 27.75% | 0.16% |
| Q3 2025 | 127.59% | 127.59% | 128.46% | 26.79% | 0.72% |
| Q4 2025 | 211.40% | 211.40% | 212.65% | 32.73% | 3.36% |
| Q1 2026 | 172.44% | 172.44% | 173.56% | 28.66% | -3.55% |
| Q2 2026 | 146.86% | 146.86% | 147.87% | 28.35% | 6.23% |
CBW Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CBW 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 CBW Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13959) · FFIEC NIC profile (RSSD 71859)