Citizens Deposit Bank of Arlington, Inc.: 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 Reserve coverage of non-performing loans: 361.44 percentage points higher than in Q1 2026, at 3076.47%. Citizens Deposit Bank of Arlington, Inc. ranks 32nd of 119 Kentucky banks on return on assets, in the upper half at 1.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Deposit Bank of Arlington, Inc. sits 0.45 points higher, at 1.70% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.66% |
| Equity capital to assets | 11.82% |
| Tangible equity to tangible assets | 11.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 5.27% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 3076.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 14.81% |
| Net interest margin | 3.61% |
| Efficiency ratio | 53.24% |
| Yield on earning assets | 6.12% |
| Cost of funds | 2.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.71% |
| Core deposits to total deposits | 55.72% |
| Brokered deposits to total deposits | 13.43% |
| Deposits to assets | 82.65% |
| Securities to assets | 19.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.59% | 1.21% | 3.19% | 0.11% | 0.03% |
| Q4 2023 | 14.51% | 1.16% | 3.20% | 0.08% | 0.11% |
| Q1 2024 | 14.44% | 0.97% | 3.06% | 0.06% | -0.03% |
| Q2 2024 | 14.60% | 1.12% | 3.14% | 0.05% | -0.02% |
| Q3 2024 | 14.33% | 1.21% | 3.19% | 0.05% | -0.01% |
| Q4 2024 | 14.14% | 1.45% | 3.28% | 0.05% | 0.02% |
| Q1 2025 | 14.14% | 1.31% | 3.42% | 0.08% | 0.01% |
| Q2 2025 | 14.24% | 1.56% | 3.61% | 0.08% | 0.02% |
| Q3 2025 | 13.76% | 1.47% | 3.55% | 0.06% | 0.00% |
| Q4 2025 | 13.53% | 1.47% | 3.53% | 0.06% | 0.00% |
| Q1 2026 | 13.40% | 1.46% | 3.46% | 0.07% | 0.01% |
| Q2 2026 | 13.66% | 1.70% | 3.61% | 0.06% | 0.03% |
Citizens Deposit Bank of Arlington, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Deposit Bank of Arlington, Inc., 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 Citizens Deposit Bank of Arlington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16852) · FFIEC NIC profile (RSSD 959443)