Cendera 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.
Core deposits to total deposits dropped 3.63 percentage points in Q2 2026, from 74.92% to 71.28%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Cendera Bank is 35th from the bottom among 345 Texas banks, 0.51% (Q2 2026). Cendera Bank's return on assets of 0.51% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.25% |
| Equity capital to assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.53% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 2479.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.51% |
| Return on equity | 4.56% |
| Net interest margin | 4.35% |
| Efficiency ratio | 83.12% |
| Yield on earning assets | 7.09% |
| Cost of funds | 2.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.03% |
| Core deposits to total deposits | 71.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.70% |
| Securities to assets | 4.35% |
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 | 14.73% | 0.05% | 3.79% | 0.35% | 0.00% |
| Q4 2023 | 14.29% | 0.08% | 4.08% | 0.39% | -0.01% |
| Q1 2024 | 14.16% | 0.05% | 3.84% | 1.22% | 0.00% |
| Q2 2024 | 13.52% | 0.16% | 4.16% | 0.36% | 0.00% |
| Q3 2024 | 12.96% | 0.07% | 3.98% | 0.27% | 0.02% |
| Q4 2024 | 12.12% | 0.34% | 3.96% | 0.71% | 0.00% |
| Q1 2025 | 11.69% | 0.03% | 4.06% | 0.43% | 0.00% |
| Q2 2025 | 11.58% | 0.32% | 4.33% | 0.39% | 0.01% |
| Q3 2025 | 11.25% | 0.47% | 4.26% | 0.11% | 0.00% |
| Q4 2025 | 11.09% | 0.33% | 3.93% | 0.02% | 0.17% |
| Q1 2026 | 11.79% | 0.24% | 4.19% | 0.02% | -0.01% |
| Q2 2026 | 11.25% | 0.51% | 4.35% | 0.04% | -0.01% |
Cendera Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cendera 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 Cendera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3098) · FFIEC NIC profile (RSSD 89957)