County 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 Loan-to-deposit ratio: 6.96 percentage points higher than in Q1 2026, at 87.79%. Within Missouri, County Bank is 36th of 191 on return on assets, 2.12% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, County Bank reported 2.12% on return on assets in Q2 2026, 0.86 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.49% |
| Tier 1 risk-based capital ratio | 12.49% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 8.29% |
| Equity capital to assets | 8.44% |
| Tangible equity to tangible assets | 7.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 25.75% |
| Net interest margin | 4.77% |
| Efficiency ratio | 57.95% |
| Yield on earning assets | 5.94% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.79% |
| Core deposits to total deposits | 87.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.25% |
| Securities to assets | 15.68% |
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 | 14.97% | 14.97% | 16.23% | 8.33% | 1.38% |
| Q4 2023 | 15.23% | 15.23% | 16.49% | 8.36% | 1.25% |
| Q1 2024 | 14.55% | 14.55% | 15.80% | 8.07% | 1.24% |
| Q2 2024 | 14.43% | 14.43% | 15.68% | 8.02% | 1.50% |
| Q3 2024 | 14.40% | 14.40% | 15.66% | 8.46% | 1.67% |
| Q4 2024 | 13.77% | 13.77% | 15.02% | 8.27% | 1.72% |
| Q1 2025 | 13.87% | 13.87% | 15.12% | 8.10% | 1.62% |
| Q2 2025 | 13.94% | 13.94% | 15.20% | 8.24% | 1.65% |
| Q3 2025 | 14.16% | 14.16% | 15.42% | 8.43% | 2.22% |
| Q4 2025 | 12.95% | 12.95% | 14.20% | 8.06% | 2.02% |
| Q1 2026 | 12.77% | 12.77% | 14.03% | 7.95% | 1.98% |
| Q2 2026 | 12.49% | 12.49% | 13.74% | 8.29% | 2.12% |
County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12220) · FFIEC NIC profile (RSSD 1016848)