Central 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: 115282.27 percentage points higher than in Q1 2026, at 115400.00%. Within Tennessee, Central Bank is 98th of 109 on return on assets, 0.49% as of Q2 2026, below the middle of the field. Central Bank's return on assets of 0.49% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.76 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.79% |
| Tier 1 risk-based capital ratio | 19.79% |
| Total risk-based capital ratio | 21.04% |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 10.90% |
| Tangible equity to tangible assets | 10.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 1.30% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 115400.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 4.61% |
| Net interest margin | 4.24% |
| Efficiency ratio | 67.67% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.65% |
| Core deposits to total deposits | 81.63% |
| Brokered deposits to total deposits | 3.54% |
| Deposits to assets | 88.08% |
| Securities to assets | 18.36% |
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 | 21.93% | 21.93% | 23.18% | 11.85% | 0.90% |
| Q4 2023 | 21.82% | 21.82% | 23.07% | 12.16% | 0.95% |
| Q1 2024 | 22.18% | 22.18% | 23.43% | 12.25% | 0.89% |
| Q2 2024 | 23.03% | 23.03% | 24.29% | 12.14% | 0.92% |
| Q3 2024 | 22.82% | 22.82% | 24.07% | 12.21% | 0.97% |
| Q4 2024 | 22.71% | 22.71% | 23.96% | 12.65% | 0.75% |
| Q1 2025 | 22.45% | 22.45% | 23.70% | 12.70% | 0.82% |
| Q2 2025 | 22.23% | 22.23% | 23.48% | 12.65% | 0.82% |
| Q3 2025 | 21.64% | 21.64% | 22.90% | 12.55% | 0.66% |
| Q4 2025 | 20.74% | 20.74% | 21.99% | 12.39% | 0.93% |
| Q1 2026 | 20.08% | 20.08% | 21.33% | 12.11% | 0.99% |
| Q2 2026 | 19.79% | 19.79% | 21.04% | 11.95% | 0.49% |
Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31545) · FFIEC NIC profile (RSSD 265676)