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.
The standout move of Q2 2026 was in Securities to assets: 3.09 percentage points higher than in Q1 2026, at 48.01%. On return on assets, Commercial Bank is 14th from the bottom among 182 Kansas banks, 0.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Commercial Bank sits 0.58 points lower, at 0.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.24% |
| Tier 1 risk-based capital ratio | 16.24% |
| Total risk-based capital ratio | 17.45% |
| Tier 1 leverage ratio | 8.33% |
| Equity capital to assets | 6.78% |
| Tangible equity to tangible assets | 6.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.41% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 211.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 10.00% |
| Net interest margin | 3.53% |
| Efficiency ratio | 71.67% |
| Yield on earning assets | 4.60% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.41% |
| Core deposits to total deposits | 90.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.68% |
| Securities to assets | 48.01% |
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 | 15.99% | 15.99% | 17.24% | 9.51% | 0.47% |
| Q4 2023 | 16.09% | 16.09% | 17.34% | 9.57% | 1.30% |
| Q1 2024 | 17.00% | 17.00% | 18.25% | 9.93% | 0.98% |
| Q2 2024 | 16.78% | 16.78% | 18.03% | 9.84% | 1.06% |
| Q3 2024 | 17.23% | 17.23% | 18.45% | 10.14% | 1.39% |
| Q4 2024 | 17.30% | 17.30% | 18.53% | 9.73% | 0.95% |
| Q1 2025 | 16.90% | 16.90% | 18.07% | 9.27% | 1.90% |
| Q2 2025 | 16.28% | 16.28% | 17.48% | 8.82% | 1.44% |
| Q3 2025 | 17.04% | 17.04% | 18.26% | 9.62% | 2.29% |
| Q4 2025 | 18.07% | 18.07% | 19.20% | 9.97% | 2.20% |
| Q1 2026 | 16.38% | 16.38% | 17.53% | 9.20% | 0.92% |
| Q2 2026 | 16.24% | 16.24% | 17.45% | 8.33% | 0.68% |
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 11777) · FFIEC NIC profile (RSSD 296559)