Crescent 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 climbed 80.01 percentage points in Q2 2026, from 99.15% to 179.17%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Crescent Bank is 2nd from the bottom among 103 Louisiana banks, -2.42% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Crescent Bank reported -2.42% on return on assets in Q2 2026, 3.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.05% |
| Tier 1 risk-based capital ratio | 34.05% |
| Total risk-based capital ratio | 35.17% |
| Tier 1 leverage ratio | 15.01% |
| Equity capital to assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 3.14% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 179.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.42% |
| Return on equity | -15.91% |
| Net interest margin | 2.15% |
| Efficiency ratio | -612.70% |
| Yield on earning assets | 5.36% |
| Cost of funds | 3.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.24% |
| Core deposits to total deposits | 78.17% |
| Brokered deposits to total deposits | 2.86% |
| Deposits to assets | 82.63% |
| Securities to assets | 53.28% |
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 | 14.23% | 14.23% | 15.52% | 12.17% | 0.03% |
| Q4 2023 | 12.26% | 12.26% | 13.58% | 10.57% | -6.71% |
| Q1 2024 | 12.22% | 12.22% | 13.54% | 10.39% | 1.77% |
| Q2 2024 | 12.10% | 12.10% | 13.42% | 10.69% | -0.71% |
| Q3 2024 | 11.18% | 11.18% | 12.53% | 9.66% | -5.99% |
| Q4 2024 | 12.36% | 12.36% | 13.69% | 10.77% | 4.08% |
| Q1 2025 | 12.69% | 12.69% | 14.02% | 10.94% | 2.02% |
| Q2 2025 | 13.98% | 13.98% | 15.31% | 12.42% | 3.35% |
| Q3 2025 | 14.92% | 14.92% | 16.24% | 12.58% | -0.35% |
| Q4 2025 | 15.49% | 15.49% | 16.80% | 13.00% | -0.16% |
| Q1 2026 | 36.55% | 36.55% | 37.19% | 17.29% | 20.18% |
| Q2 2026 | 34.05% | 34.05% | 35.17% | 15.01% | -2.42% |
Crescent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crescent 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 Crescent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33492) · FFIEC NIC profile (RSSD 1885932)