Crowell State 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: 29.06 percentage points lower than in Q1 2026, at 110.63%. On return on assets, Crowell State Bank ranks 33rd highest among the 345 banks headquartered in Texas, at 2.39% (Q2 2026). Crowell State Bank's return on assets of 2.39% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.39 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.52% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 4.02% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 110.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.39% |
| Return on equity | 22.67% |
| Net interest margin | 5.22% |
| Efficiency ratio | 52.96% |
| Yield on earning assets | 6.32% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.11% |
| Core deposits to total deposits | 86.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.68% |
| Securities to assets | 24.71% |
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 | 11.71% | 2.20% | 4.65% | 1.72% | 0.08% |
| Q4 2023 | 10.92% | 1.07% | 4.73% | 1.71% | 0.05% |
| Q1 2024 | 11.15% | 2.02% | 4.79% | 2.22% | 0.05% |
| Q2 2024 | 11.11% | 1.58% | 4.76% | 0.49% | 2.59% |
| Q3 2024 | 11.98% | 2.13% | 5.06% | 0.24% | 0.00% |
| Q4 2024 | 10.70% | 1.19% | 4.92% | 0.32% | 0.29% |
| Q1 2025 | 10.55% | 2.16% | 4.82% | 0.22% | 0.24% |
| Q2 2025 | 10.63% | 2.31% | 5.22% | 0.00% | -0.75% |
| Q3 2025 | 11.12% | 2.52% | 5.28% | 0.15% | 0.05% |
| Q4 2025 | 10.70% | 1.32% | 5.51% | 0.15% | 0.37% |
| Q1 2026 | 10.93% | 2.62% | 5.18% | 0.65% | 0.00% |
| Q2 2026 | 10.99% | 2.39% | 5.22% | 0.89% | 0.14% |
Crowell State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crowell State 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 Crowell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10352) · FFIEC NIC profile (RSSD 701857)