The 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: 6.15 percentage points higher than in Q1 2026, at 128.36%. The Commercial Bank ranks 30th of 44 South Carolina banks on return on assets, in the lower half at 0.85% (Q2 2026). The Commercial Bank reported 0.85% on return on assets for Q2 2026, 0.40 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.65% |
| Equity capital to assets | 8.21% |
| Tangible equity to tangible assets | 8.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.67% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 128.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 10.41% |
| Net interest margin | 3.01% |
| Efficiency ratio | 72.64% |
| Yield on earning assets | 4.00% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.72% |
| Core deposits to total deposits | 92.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.46% |
| Securities to assets | 45.67% |
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 | 32.80% | 32.80% | 33.99% | 13.27% | 1.34% |
| Q4 2023 | 30.07% | 30.07% | 31.16% | 13.29% | 0.67% |
| Q1 2024 | 29.01% | 29.01% | 30.05% | 13.51% | 0.96% |
| Q2 2024 | 28.83% | 28.83% | 29.87% | 13.60% | 0.80% |
| Q3 2024 | 27.01% | 27.01% | 27.96% | 13.65% | 0.79% |
| Q4 2024 | 29.20% | 29.20% | 30.23% | 13.43% | 0.68% |
| Q1 2025 | 29.03% | 29.03% | 30.14% | 13.31% | 0.77% |
| Q2 2025 | 29.58% | 29.58% | 30.71% | 13.30% | 0.70% |
| Q3 2025 | 29.53% | 29.53% | 30.64% | 13.32% | 0.83% |
| Q4 2025 | 28.82% | 28.82% | 29.85% | 13.51% | 0.92% |
| Q1 2026 | 29.88% | 29.88% | 30.95% | 12.79% | 0.69% |
| Q2 2026 | — | — | — | 12.65% | 0.85% |
The Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14642) · FFIEC NIC profile (RSSD 349129)