City National 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.
Non-performing loans to loans climbed 2.53 percentage points in Q2 2026, from 0.00% to 2.53%. It was the largest change from Q1 2026 among the key lines here. On return on assets, City National Bank is 20th from the bottom among 345 Texas banks, 0.19% (Q2 2026). City National Bank's return on assets of 0.19% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.09% |
| Tier 1 risk-based capital ratio | 23.09% |
| Total risk-based capital ratio | 24.34% |
| Tier 1 leverage ratio | 13.54% |
| Equity capital to assets | 13.03% |
| Tangible equity to tangible assets | 13.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.53% |
| Non-performing assets ratio | 1.75% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.12% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 53.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 1.43% |
| Net interest margin | 3.77% |
| Efficiency ratio | 95.12% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.71% |
| Core deposits to total deposits | 84.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.64% |
| Securities to assets | 14.15% |
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 | 18.94% | 18.94% | 20.19% | 11.01% | 0.25% |
| Q4 2023 | 18.49% | 18.49% | 19.74% | 10.81% | -0.17% |
| Q1 2024 | 18.94% | 18.94% | 20.19% | 11.20% | 0.06% |
| Q2 2024 | 19.14% | 19.14% | 20.39% | 11.51% | 0.11% |
| Q3 2024 | 19.36% | 19.36% | 20.61% | 10.82% | 0.06% |
| Q4 2024 | 19.27% | 19.27% | 20.53% | 10.92% | 0.49% |
| Q1 2025 | 20.30% | 20.30% | 21.55% | 11.84% | 0.42% |
| Q2 2025 | 21.89% | 21.89% | 23.15% | 12.01% | 0.54% |
| Q3 2025 | 21.45% | 21.45% | 22.71% | 12.06% | 0.77% |
| Q4 2025 | 23.89% | 23.89% | 25.14% | 13.85% | 7.29% |
| Q1 2026 | 23.15% | 23.15% | 24.40% | 12.99% | 0.53% |
| Q2 2026 | 23.09% | 23.09% | 24.34% | 13.54% | 0.19% |
City National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock City National 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24367) · FFIEC NIC profile (RSSD 697950)