Chillicothe State 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 climbed 10.87 percentage points in Q2 2026, from 189.30% to 200.17%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Chillicothe State Bank is 125th of 192 on return on assets, 1.22% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Chillicothe State Bank sits 0.04 points lower, at 1.22% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.10% |
| Tier 1 risk-based capital ratio | 17.10% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 7.89% |
| Equity capital to assets | 8.58% |
| Tangible equity to tangible assets | 8.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.63% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 200.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 14.64% |
| Net interest margin | 4.01% |
| Efficiency ratio | 63.33% |
| Yield on earning assets | 4.86% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.55% |
| Core deposits to total deposits | 99.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.75% |
| Securities to assets | 35.21% |
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 | 20.89% | 20.89% | 22.15% | 9.30% | 0.79% |
| Q4 2023 | 21.49% | 21.49% | 22.75% | 9.05% | 0.84% |
| Q1 2024 | 20.64% | 20.64% | 21.90% | 8.79% | 1.03% |
| Q2 2024 | 21.46% | 21.46% | 22.72% | 9.33% | 0.97% |
| Q3 2024 | 19.53% | 19.53% | 20.79% | 8.63% | 1.22% |
| Q4 2024 | 20.29% | 20.29% | 21.55% | 8.71% | 0.84% |
| Q1 2025 | 20.31% | 20.31% | 21.57% | 8.75% | 1.15% |
| Q2 2025 | 20.15% | 20.15% | 21.40% | 9.31% | 1.83% |
| Q3 2025 | 19.04% | 19.04% | 20.29% | 8.75% | 1.23% |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 8.48% | 0.57% |
| Q1 2026 | 19.87% | 19.87% | 21.13% | 8.69% | 1.25% |
| Q2 2026 | 17.10% | 17.10% | 18.36% | 7.89% | 1.22% |
Chillicothe State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chillicothe State 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 Chillicothe State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15546) · FFIEC NIC profile (RSSD 504142)