Connect 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 dropped 392.13 percentage points in Q2 2026, from 583.65% to 191.52%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Connect Bank ranks 4th highest among the 78 banks headquartered in Arkansas, at 2.24% (Q2 2026). Connect Bank's return on assets of 2.24% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.98 points (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 | 15.92% |
| Equity capital to assets | 13.01% |
| Tangible equity to tangible assets | 13.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.22% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 4.00% |
| Allowance for credit losses to loans | 2.34% |
| Reserve coverage of non-performing loans | 191.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.24% |
| Return on equity | 17.73% |
| Net interest margin | 5.07% |
| Efficiency ratio | 56.42% |
| Yield on earning assets | 6.52% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.42% |
| Core deposits to total deposits | 91.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.51% |
| Securities to assets | 23.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.32% | 13.98% | 4.49% | 0.47% | 0.87% |
| Q4 2023 | 14.84% | 1.38% | 4.46% | 0.49% | -0.39% |
| Q1 2024 | 15.53% | 2.15% | 4.36% | 0.59% | 0.44% |
| Q2 2024 | 15.93% | 2.14% | 4.65% | 0.54% | -0.32% |
| Q3 2024 | 16.27% | 2.11% | 4.84% | 0.55% | -0.02% |
| Q4 2024 | 14.94% | 2.32% | 4.77% | 0.61% | 0.31% |
| Q1 2025 | 15.62% | 1.86% | 4.58% | 0.51% | 0.19% |
| Q2 2025 | 15.79% | 2.04% | 4.78% | 0.42% | 0.16% |
| Q3 2025 | 16.31% | 2.21% | 5.06% | 0.61% | 0.19% |
| Q4 2025 | 14.91% | 2.25% | 5.03% | 0.38% | 0.02% |
| Q1 2026 | 15.16% | 2.02% | 4.90% | 0.40% | 0.15% |
| Q2 2026 | 15.92% | 2.24% | 5.07% | 1.22% | -0.11% |
Connect Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Connect 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 Connect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5634) · FFIEC NIC profile (RSSD 126049)