Corebank: 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.
Loan-to-deposit ratio climbed 4.43 percentage points in Q2 2026, from 84.14% to 88.57%. It was the largest change from Q1 2026 among the key lines here. Corebank ranks 40th of 169 Oklahoma banks on return on assets, in the upper half at 1.97% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Corebank reported 1.97% on return on assets in Q2 2026, 0.71 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.78% |
| Equity capital to assets | 11.97% |
| Tangible equity to tangible assets | 11.97% |
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 | 1.09% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 17.22% |
| Net interest margin | 4.32% |
| Efficiency ratio | 52.01% |
| Yield on earning assets | 7.17% |
| Cost of funds | 3.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.57% |
| Core deposits to total deposits | 87.53% |
| Brokered deposits to total deposits | 1.39% |
| Deposits to assets | 87.65% |
| Securities to assets | 9.16% |
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 | 11.42% | 1.43% | 4.44% | 0.00% | -0.01% |
| Q4 2023 | 11.02% | 1.25% | 4.30% | 0.00% | -0.02% |
| Q1 2024 | 10.77% | 1.10% | 3.80% | 0.00% | -0.01% |
| Q2 2024 | 10.91% | 1.13% | 3.99% | 0.00% | -0.02% |
| Q3 2024 | 10.61% | 0.72% | 4.55% | 0.00% | 0.00% |
| Q4 2024 | 10.45% | 1.14% | 4.02% | 0.00% | -0.01% |
| Q1 2025 | 10.53% | 1.06% | 4.07% | 0.00% | 0.00% |
| Q2 2025 | 9.88% | 1.05% | 3.85% | 0.00% | -0.01% |
| Q3 2025 | 10.58% | 1.26% | 4.19% | 0.00% | 0.00% |
| Q4 2025 | 11.15% | 1.36% | 4.41% | 0.00% | 0.00% |
| Q1 2026 | 11.16% | 1.08% | 4.10% | 0.00% | -0.01% |
| Q2 2026 | 11.78% | 1.97% | 4.32% | 0.00% | 0.00% |
Corebank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Corebank, 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 Corebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18063) · FFIEC NIC profile (RSSD 474656)