ConnectOne 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: 44.34 percentage points lower than in Q1 2026, at 112.02%. Within New Jersey, ConnectOne Bank is 12th of 49 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets; ConnectOne Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 12.26% |
| Tangible equity to tangible assets | 10.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.05% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.71% |
| Texas ratio | 7.74% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 112.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 10.51% |
| Net interest margin | 3.54% |
| Efficiency ratio | 41.32% |
| Yield on earning assets | 5.77% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.62% |
| Core deposits to total deposits | 82.81% |
| Brokered deposits to total deposits | 8.55% |
| Deposits to assets | 81.90% |
| Securities to assets | 8.27% |
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 | 12.38% | 12.38% | 13.43% | 11.23% | 0.94% |
| Q4 2023 | 12.31% | 12.31% | 13.28% | 11.20% | 0.84% |
| Q1 2024 | 12.43% | 12.43% | 13.41% | 11.10% | 0.74% |
| Q2 2024 | 12.60% | 12.60% | 13.58% | 11.29% | 0.84% |
| Q3 2024 | 12.79% | 12.79% | 13.77% | 11.43% | 0.75% |
| Q4 2024 | 12.63% | 12.63% | 13.60% | 11.66% | 0.89% |
| Q1 2025 | 12.82% | 12.82% | 13.79% | 11.67% | 0.86% |
| Q2 2025 | 12.22% | 12.22% | 13.24% | 12.81% | -0.61% |
| Q3 2025 | 12.37% | 12.37% | 13.38% | 10.35% | 1.29% |
| Q4 2025 | 12.36% | 12.36% | 13.33% | 10.59% | 1.28% |
| Q1 2026 | 12.35% | 12.35% | 13.33% | 10.81% | 1.20% |
| Q2 2026 | 12.31% | 12.31% | 13.20% | 10.81% | 1.29% |
ConnectOne Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock ConnectOne 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 ConnectOne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57919) · FFIEC NIC profile (RSSD 3317932)