Cortrust Bank N.A.: 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: 11.60 percentage points higher than in Q1 2026, at 155.33%. Cortrust Bank N.A. has the 5th lowest return on assets of the 56 banks headquartered in South Dakota, at 0.50% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Cortrust Bank N.A. reported 0.50% on return on assets in Q2 2026, 0.78 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.27% |
| Tier 1 risk-based capital ratio | 13.27% |
| Total risk-based capital ratio | 14.30% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 8.88% |
| Tangible equity to tangible assets | 8.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.77% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.73% |
| Texas ratio | 5.27% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 155.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 5.62% |
| Net interest margin | 3.76% |
| Efficiency ratio | 76.74% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.77% |
| Core deposits to total deposits | 91.93% |
| Brokered deposits to total deposits | 3.82% |
| Deposits to assets | 87.93% |
| Securities to assets | 27.37% |
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 | 11.62% | 11.62% | 12.87% | 8.92% | -0.31% |
| Q4 2023 | 12.03% | 12.03% | 13.28% | 9.03% | 0.35% |
| Q1 2024 | 12.55% | 12.55% | 13.80% | 9.25% | 0.22% |
| Q2 2024 | 12.48% | 12.48% | 13.74% | 9.46% | 0.11% |
| Q3 2024 | 12.57% | 12.57% | 13.82% | 9.58% | 0.10% |
| Q4 2024 | 12.69% | 12.69% | 13.93% | 9.73% | 0.54% |
| Q1 2025 | 13.14% | 13.14% | 14.36% | 10.02% | 0.42% |
| Q2 2025 | 13.06% | 13.06% | 14.24% | 10.05% | 0.46% |
| Q3 2025 | 13.44% | 13.44% | 14.62% | 10.21% | 0.55% |
| Q4 2025 | 13.33% | 13.33% | 14.47% | 10.35% | 0.70% |
| Q1 2026 | 13.42% | 13.42% | 14.52% | 10.14% | 0.27% |
| Q2 2026 | 13.27% | 13.27% | 14.30% | 9.92% | 0.50% |
Cortrust Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6063) · FFIEC NIC profile (RSSD 61355)