Commencement 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.
Loan-to-deposit ratio dropped 2.26 percentage points in Q2 2026, from 86.56% to 84.31%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Commencement Bank is 14th of 29 on return on assets, 1.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Commencement Bank sits 0.25 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 10.30% |
| Equity capital to assets | 9.08% |
| Tangible equity to tangible assets | 8.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.67% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 1341.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.45% |
| Net interest margin | 4.21% |
| Efficiency ratio | 66.61% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.31% |
| Core deposits to total deposits | 94.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.26% |
| Securities to assets | 10.01% |
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 | 13.23% | 13.23% | 14.44% | 10.02% | 0.51% |
| Q4 2023 | 13.27% | 13.27% | 14.52% | 10.17% | 0.57% |
| Q1 2024 | 12.78% | 12.78% | 13.92% | 10.58% | 0.52% |
| Q2 2024 | 12.06% | 12.06% | 13.23% | 10.18% | 0.53% |
| Q3 2024 | 12.17% | 12.17% | 13.33% | 9.79% | 0.62% |
| Q4 2024 | 12.50% | 12.50% | 13.70% | 9.49% | 0.31% |
| Q1 2025 | 12.32% | 12.32% | 13.50% | 9.69% | 0.82% |
| Q2 2025 | 11.66% | 11.66% | 12.84% | 9.56% | 0.89% |
| Q3 2025 | 12.01% | 12.01% | 13.23% | 9.30% | 1.06% |
| Q4 2025 | 12.14% | 12.14% | 13.34% | 9.45% | 1.14% |
| Q1 2026 | 12.36% | 12.36% | 13.56% | 9.69% | 0.93% |
| Q2 2026 | 12.95% | 12.95% | 14.15% | 10.30% | 1.01% |
Commencement Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commencement 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 Commencement Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58446) · FFIEC NIC profile (RSSD 3537897)