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 Reserve coverage of non-performing loans: 19.41 percentage points lower than in Q1 2026, at 43.19%. Commercial Bank ranks 103rd of 138 Nebraska banks on return on assets, in the lower half at 1.05% (Q2 2026). Commercial Bank reported 1.05% on return on assets for Q2 2026, 0.07 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.01% |
| Tier 1 risk-based capital ratio | 19.01% |
| Total risk-based capital ratio | 20.13% |
| Tier 1 leverage ratio | 15.24% |
| Equity capital to assets | 13.88% |
| Tangible equity to tangible assets | 13.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.06% |
| Non-performing assets ratio | 2.12% |
| Net charge-off ratio | 0.52% |
| Texas ratio | 14.33% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 43.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 7.79% |
| Net interest margin | 4.49% |
| Efficiency ratio | 62.32% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.15% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 24.47% |
| Deposits to assets | 83.22% |
| Securities to assets | 27.58% |
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 | 16.08% | 16.08% | 17.17% | 12.75% | 1.09% |
| Q4 2023 | 16.02% | 16.02% | 17.13% | 13.03% | 1.31% |
| Q1 2024 | 17.30% | 17.30% | 18.51% | 12.94% | 1.22% |
| Q2 2024 | 17.12% | 17.12% | 18.29% | 13.46% | 1.03% |
| Q3 2024 | 16.83% | 16.83% | 18.01% | 13.41% | 0.86% |
| Q4 2024 | 16.69% | 16.69% | 17.86% | 13.69% | 0.74% |
| Q1 2025 | 16.99% | 16.99% | 18.13% | 13.76% | 0.25% |
| Q2 2025 | 17.67% | 17.67% | 18.86% | 14.09% | 0.80% |
| Q3 2025 | 17.46% | 17.46% | 18.67% | 14.26% | 1.30% |
| Q4 2025 | 17.39% | 17.39% | 18.34% | 14.62% | 1.93% |
| Q1 2026 | 18.35% | 18.35% | 19.45% | 14.26% | 1.01% |
| Q2 2026 | 19.01% | 19.01% | 20.13% | 15.24% | 1.05% |
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 12246) · FFIEC NIC profile (RSSD 42457)