Column 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.
Reserve coverage of non-performing loans climbed 560.49 percentage points in Q2 2026, from 143.01% to 703.50%. It was the largest change from Q1 2026 among the key lines here. Against a median of 1.28% for banks in the $1B-10B asset tier, Column N.A. reported 5.72% on return on assets in Q2 2026, 4.44 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.03% |
| Tier 1 risk-based capital ratio | 25.03% |
| Total risk-based capital ratio | 25.37% |
| Tier 1 leverage ratio | 8.43% |
| Equity capital to assets | 9.88% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.47% |
| Texas ratio | 0.28% |
| Allowance for credit losses to loans | 0.56% |
| Reserve coverage of non-performing loans | 703.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.72% |
| Return on equity | 77.85% |
| Net interest margin | 5.38% |
| Efficiency ratio | 38.93% |
| Yield on earning assets | 7.23% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 23.45% |
| Core deposits to total deposits | 99.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.47% |
| Securities to assets | 34.15% |
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 | — | — | — | 9.97% | 0.16% |
| Q4 2023 | — | — | — | 9.96% | 0.05% |
| Q1 2024 | 18.19% | 18.19% | 19.19% | 10.03% | 0.45% |
| Q2 2024 | 17.81% | 17.81% | 18.78% | 9.35% | 0.54% |
| Q3 2024 | 19.39% | 19.39% | 20.31% | 8.62% | 3.71% |
| Q4 2024 | 19.47% | 19.47% | 20.30% | 8.74% | 3.47% |
| Q1 2025 | 19.24% | 19.24% | 19.94% | 9.67% | 5.64% |
| Q2 2025 | 28.20% | 28.20% | 28.89% | 9.15% | 9.01% |
| Q3 2025 | 29.02% | 29.02% | 29.62% | 9.26% | 5.88% |
| Q4 2025 | 30.46% | 30.46% | 30.97% | 8.94% | 4.54% |
| Q1 2026 | 23.73% | 23.73% | 24.07% | 8.03% | 4.88% |
| Q2 2026 | 25.03% | 25.03% | 25.37% | 8.43% | 5.72% |
Column N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Column 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 Column N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58224) · FFIEC NIC profile (RSSD 3435948)