Commercial 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 climbed 2.19 percentage points in Q2 2026, from 78.21% to 80.41%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Commercial Bank is 10th from the bottom among 192 Missouri banks, 0.52% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Commercial Bank reported 0.52% on return on assets in Q2 2026, 0.73 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.86% |
| Tier 1 risk-based capital ratio | 10.86% |
| Total risk-based capital ratio | 11.95% |
| Tier 1 leverage ratio | 7.93% |
| Equity capital to assets | 5.45% |
| Tangible equity to tangible assets | 5.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 13.90% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 91.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 9.87% |
| Net interest margin | 3.48% |
| Efficiency ratio | 78.47% |
| Yield on earning assets | 5.06% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.41% |
| Core deposits to total deposits | 88.33% |
| Brokered deposits to total deposits | 1.80% |
| Deposits to assets | 87.11% |
| Securities to assets | 23.09% |
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 | 10.30% | 10.30% | 11.30% | 7.25% | 0.24% |
| Q4 2023 | 10.30% | 10.30% | 11.31% | 7.35% | 0.08% |
| Q1 2024 | 10.43% | 10.43% | 11.36% | 7.43% | 0.21% |
| Q2 2024 | 10.63% | 10.63% | 11.60% | 7.54% | 0.21% |
| Q3 2024 | 10.82% | 10.82% | 11.80% | 7.52% | 0.23% |
| Q4 2024 | 10.95% | 10.95% | 11.96% | 7.64% | 0.34% |
| Q1 2025 | 10.59% | 10.59% | 11.58% | 7.75% | 0.24% |
| Q2 2025 | 10.75% | 10.75% | 11.74% | 7.73% | 0.30% |
| Q3 2025 | 10.99% | 10.99% | 12.07% | 7.87% | 0.44% |
| Q4 2025 | 10.83% | 10.83% | 11.94% | 7.89% | 0.43% |
| Q1 2026 | 10.94% | 10.94% | 12.03% | 7.95% | 0.38% |
| Q2 2026 | 10.86% | 10.86% | 11.95% | 7.93% | 0.52% |
Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27409) · FFIEC NIC profile (RSSD 1225752)