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 Securities to assets: 2.05 percentage points higher than in Q1 2026, at 56.08%. The Commercial Bank ranks 132nd of 345 Texas banks on return on assets, in the upper half at 1.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Commercial Bank sits 0.40 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.95% |
| Equity capital to assets | 8.93% |
| Tangible equity to tangible assets | 8.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 19.08% |
| Net interest margin | 3.80% |
| Efficiency ratio | 49.01% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.05% |
| Core deposits to total deposits | 79.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.45% |
| Securities to assets | 56.08% |
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 | 19.29% | 19.29% | 20.50% | 9.47% | 1.51% |
| Q4 2023 | 19.71% | 19.71% | 20.92% | 9.73% | 1.01% |
| Q1 2024 | 20.21% | 20.21% | 21.41% | 9.65% | 1.23% |
| Q2 2024 | 21.25% | 21.25% | 22.50% | 9.80% | 1.39% |
| Q3 2024 | 20.20% | 20.20% | 21.36% | 10.22% | 1.12% |
| Q4 2024 | 21.98% | 21.98% | 23.22% | 10.23% | 1.14% |
| Q1 2025 | — | — | — | 10.16% | 1.35% |
| Q2 2025 | — | — | — | 9.87% | 1.61% |
| Q3 2025 | — | — | — | 10.05% | 1.57% |
| Q4 2025 | — | — | — | 10.32% | 1.54% |
| Q1 2026 | — | — | — | 9.69% | 1.40% |
| Q2 2026 | — | — | — | 9.95% | 1.65% |
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 19595) · FFIEC NIC profile (RSSD 491653)