Commercial Trust Company of Fayette: 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 14.12 percentage points in Q2 2026, from 235.63% to 249.75%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Commercial Trust Company of Fayette is 120th of 192 on return on assets, 1.27% 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 Trust Company of Fayette reported 1.27% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.41% |
| Equity capital to assets | 10.06% |
| Tangible equity to tangible assets | 10.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.29% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 249.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 12.56% |
| Net interest margin | 3.74% |
| Efficiency ratio | 70.27% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.05% |
| Core deposits to total deposits | 92.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.63% |
| Securities to assets | 9.08% |
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 | — | — | — | 9.79% | 0.86% |
| Q4 2023 | — | — | — | 10.25% | 1.63% |
| Q1 2024 | 16.99% | 16.99% | 18.24% | 10.53% | 1.12% |
| Q2 2024 | 17.81% | 17.81% | 19.05% | 10.69% | 1.43% |
| Q3 2024 | — | — | — | 11.10% | 1.77% |
| Q4 2024 | — | — | — | 10.56% | 1.43% |
| Q1 2025 | — | — | — | 10.49% | 0.96% |
| Q2 2025 | — | — | — | 10.69% | 1.43% |
| Q3 2025 | — | — | — | 10.90% | 1.64% |
| Q4 2025 | — | — | — | 10.67% | 1.39% |
| Q1 2026 | — | — | — | 10.31% | 1.64% |
| Q2 2026 | — | — | — | 10.41% | 1.27% |
Commercial Trust Company of Fayette vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Trust Company of Fayette, 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 Trust Company of Fayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9791) · FFIEC NIC profile (RSSD 709451)