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.
Reserve coverage of non-performing loans dropped 5.06 percentage points in Q2 2026, from 32.19% to 27.13%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Central Bank is 62nd of 78 on return on assets, 1.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Central Bank sits 0.26 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.32% |
| Tier 1 risk-based capital ratio | 10.32% |
| Total risk-based capital ratio | 11.57% |
| Tier 1 leverage ratio | 9.37% |
| Equity capital to assets | 9.18% |
| Tangible equity to tangible assets | 9.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.76% |
| Non-performing assets ratio | 4.49% |
| Net charge-off ratio | 0.95% |
| Texas ratio | 43.31% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 29.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.93% |
| Net interest margin | 3.05% |
| Efficiency ratio | 35.43% |
| Yield on earning assets | 6.42% |
| Cost of funds | 3.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.42% |
| Core deposits to total deposits | 51.35% |
| Brokered deposits to total deposits | 39.85% |
| Deposits to assets | 77.88% |
| Securities to assets | 4.94% |
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 | 9.59% | 9.59% | 10.84% | 9.58% | 1.76% |
| Q4 2023 | 9.17% | 9.17% | 10.43% | 9.36% | 1.74% |
| Q1 2024 | 9.19% | 9.19% | 10.45% | 8.27% | 1.53% |
| Q2 2024 | 9.18% | 9.18% | 10.43% | 8.41% | 1.63% |
| Q3 2024 | 9.10% | 9.10% | 10.35% | 8.39% | 1.82% |
| Q4 2024 | 11.13% | 11.13% | 12.39% | 10.57% | 1.92% |
| Q1 2025 | 11.08% | 11.08% | 12.33% | 10.46% | 1.90% |
| Q2 2025 | 10.90% | 10.90% | 12.16% | 10.28% | 1.72% |
| Q3 2025 | 10.96% | 10.96% | 12.21% | 10.07% | 1.58% |
| Q4 2025 | 10.28% | 10.28% | 11.53% | 9.75% | 0.54% |
| Q1 2026 | 10.23% | 10.23% | 11.49% | 9.44% | 1.17% |
| Q2 2026 | 10.32% | 10.32% | 11.57% | 9.37% | 1.00% |
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 1756) · FFIEC NIC profile (RSSD 3488579)