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 Brokered deposits to total deposits: 5.40 percentage points higher than in Q1 2026, at 6.31%. Central Bank ranks 72nd of 345 Texas banks on return on assets, in the upper half at 1.96% (Q2 2026). Central Bank's return on assets of 1.96% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 9.06% |
| Tangible equity to tangible assets | 9.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.71% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 175.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 20.87% |
| Net interest margin | 4.85% |
| Efficiency ratio | 60.50% |
| Yield on earning assets | 6.66% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.43% |
| Core deposits to total deposits | 86.60% |
| Brokered deposits to total deposits | 6.31% |
| Deposits to assets | 89.99% |
| Securities to assets | 15.40% |
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 | 12.65% | 12.65% | 13.79% | 10.11% | 2.36% |
| Q4 2023 | 12.53% | 12.53% | 13.69% | 10.15% | 2.22% |
| Q1 2024 | 13.02% | 13.02% | 14.21% | 10.12% | 1.92% |
| Q2 2024 | 13.37% | 13.37% | 14.57% | 10.47% | 1.78% |
| Q3 2024 | 12.89% | 12.89% | 14.03% | 10.33% | 1.92% |
| Q4 2024 | 12.94% | 12.94% | 14.04% | 10.28% | 2.00% |
| Q1 2025 | 13.08% | 13.08% | 14.17% | 10.10% | 1.92% |
| Q2 2025 | 12.90% | 12.90% | 13.99% | 10.17% | 1.88% |
| Q3 2025 | 13.03% | 13.03% | 14.10% | 10.18% | 2.13% |
| Q4 2025 | 13.34% | 13.34% | 14.43% | 10.37% | 2.03% |
| Q1 2026 | 13.31% | 13.31% | 14.39% | 10.08% | 1.86% |
| Q2 2026 | 12.93% | 12.93% | 13.98% | 10.07% | 1.96% |
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 17612) · FFIEC NIC profile (RSSD 31255)