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.
Reserve coverage of non-performing loans climbed 3.18 percentage points in Q2 2026, from 66.54% to 69.72%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Commercial Bank is 64th of 119 on return on assets, 1.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Commercial Bank reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.62% |
| Tier 1 risk-based capital ratio | 16.62% |
| Total risk-based capital ratio | 17.72% |
| Tier 1 leverage ratio | 10.05% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 8.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.39% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 11.57% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 69.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 13.27% |
| Net interest margin | 3.95% |
| Efficiency ratio | 65.39% |
| Yield on earning assets | 5.98% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.67% |
| Core deposits to total deposits | 93.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.92% |
| Securities to assets | 18.05% |
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 | 17.41% | 17.41% | 18.31% | 10.04% | 0.96% |
| Q4 2023 | 16.58% | 16.58% | 17.46% | 10.09% | 0.73% |
| Q1 2024 | 16.85% | 16.85% | 17.75% | 10.04% | 0.89% |
| Q2 2024 | 16.57% | 16.57% | 17.48% | 9.84% | 0.77% |
| Q3 2024 | 16.82% | 16.82% | 17.74% | 9.91% | 0.89% |
| Q4 2024 | 16.17% | 16.17% | 17.06% | 9.71% | 0.65% |
| Q1 2025 | 16.42% | 16.42% | 17.33% | 9.93% | 1.00% |
| Q2 2025 | 16.26% | 16.26% | 17.24% | 10.02% | 1.11% |
| Q3 2025 | 16.03% | 16.03% | 16.99% | 10.14% | 1.32% |
| Q4 2025 | 15.46% | 15.46% | 16.43% | 9.94% | 1.31% |
| Q1 2026 | 15.70% | 15.70% | 16.71% | 9.94% | 1.26% |
| Q2 2026 | 16.62% | 16.62% | 17.72% | 10.05% | 1.25% |
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 9310) · FFIEC NIC profile (RSSD 358112)