Champion 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 Return on assets: 1.94 percentage points lower than in Q1 2026, at -3.12%. On return on assets, Champion Bank is 2nd from the bottom among 63 Colorado banks, -3.12% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Champion Bank reported -3.12% on return on assets in Q2 2026, 4.10 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 94.00% |
| Tier 1 risk-based capital ratio | 94.00% |
| Total risk-based capital ratio | 95.26% |
| Tier 1 leverage ratio | 39.33% |
| Equity capital to assets | 38.46% |
| Tangible equity to tangible assets | 38.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.01% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.02% |
| Allowance for credit losses to loans | 2.73% |
| Reserve coverage of non-performing loans | 271.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.12% |
| Return on equity | -8.07% |
| Net interest margin | 3.92% |
| Efficiency ratio | 158.60% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.18% |
| Core deposits to total deposits | 89.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 60.62% |
| Securities to assets | 22.23% |
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 | 103.50% | 103.50% | 104.76% | 32.27% | 0.45% |
| Q4 2023 | 98.59% | 98.59% | 99.86% | 34.36% | 0.37% |
| Q1 2024 | 94.26% | 94.26% | 95.53% | 34.91% | -0.07% |
| Q2 2024 | 91.00% | 91.00% | 92.26% | 36.22% | 0.14% |
| Q3 2024 | 92.88% | 92.88% | 94.14% | 37.14% | 0.18% |
| Q4 2024 | 98.63% | 98.63% | 99.90% | 39.31% | 0.30% |
| Q1 2025 | 91.76% | 91.76% | 93.02% | 36.86% | -0.38% |
| Q2 2025 | 89.16% | 89.16% | 90.42% | 35.22% | 0.12% |
| Q3 2025 | 91.60% | 91.60% | 92.86% | 34.85% | -0.69% |
| Q4 2025 | 89.28% | 89.28% | 90.54% | 36.17% | -0.81% |
| Q1 2026 | 96.86% | 96.86% | 98.12% | 37.76% | -1.18% |
| Q2 2026 | 94.00% | 94.00% | 95.26% | 39.33% | -3.12% |
Champion Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57031) · FFIEC NIC profile (RSSD 2901558)