Cetera Trust Company, N.A.: 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 CET1 capital ratio: 7.32 percentage points higher than in Q1 2026, at 122.48%. Cetera Trust Company, N.A.'s return on assets of 3.38% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 2.41 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 122.48% |
| Tier 1 risk-based capital ratio | 122.48% |
| Total risk-based capital ratio | 122.48% |
| Tier 1 leverage ratio | 93.05% |
| Equity capital to assets | 93.90% |
| Tangible equity to tangible assets | 93.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.38% |
| Return on equity | 3.54% |
| Net interest margin | 5.07% |
| Efficiency ratio | 86.60% |
| Yield on earning assets | 5.07% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 75.70% |
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 | 104.10% | 104.10% | 104.10% | 88.93% | 2.11% |
| Q4 2023 | 102.15% | 102.15% | 102.15% | 89.24% | 1.77% |
| Q1 2024 | 101.56% | 101.56% | 101.56% | 84.89% | 3.55% |
| Q2 2024 | 104.98% | 104.98% | 104.98% | 87.57% | 3.11% |
| Q3 2024 | 105.10% | 105.10% | 105.10% | 91.11% | 1.89% |
| Q4 2024 | 105.28% | 105.28% | 105.28% | 89.95% | 3.00% |
| Q1 2025 | 107.12% | 107.12% | 107.12% | 91.84% | 5.49% |
| Q2 2025 | 110.02% | 110.02% | 110.02% | 91.62% | -0.84% |
| Q3 2025 | 109.45% | 109.45% | 109.45% | 91.31% | 0.44% |
| Q4 2025 | 115.46% | 115.46% | 115.46% | 91.55% | 2.97% |
| Q1 2026 | 115.16% | 115.16% | 115.16% | 90.66% | 1.98% |
| Q2 2026 | 122.48% | 122.48% | 122.48% | 93.05% | 3.38% |
Cetera Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cetera Trust Company, N.A., 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 Cetera Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3089752)