Currency 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.
Loan-to-deposit ratio climbed 8.59 percentage points in Q2 2026, from 85.81% to 94.40%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Currency Bank ranks 3rd highest among the 102 banks headquartered in Louisiana, at 2.62% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Currency Bank reported 2.62% on return on assets in Q2 2026, 1.36 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 | 13.38% |
| Equity capital to assets | 15.86% |
| Tangible equity to tangible assets | 13.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.10% |
| Texas ratio | 0.77% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 1050.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.62% |
| Return on equity | 16.93% |
| Net interest margin | 4.71% |
| Efficiency ratio | 43.74% |
| Yield on earning assets | 6.57% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.40% |
| Core deposits to total deposits | 82.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.76% |
| Securities to assets | 9.46% |
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 | 22.09% | 22.09% | 23.30% | 16.86% | 0.86% |
| Q4 2023 | 21.97% | 21.97% | 23.22% | 16.02% | 1.08% |
| Q1 2024 | 22.12% | 22.12% | 23.38% | 15.88% | 1.18% |
| Q2 2024 | 21.99% | 21.99% | 23.25% | 16.27% | 0.95% |
| Q3 2024 | 21.29% | 21.29% | 22.55% | 16.03% | 1.19% |
| Q4 2024 | 22.20% | 22.20% | 23.46% | 15.62% | 1.02% |
| Q1 2025 | 20.14% | 20.14% | 21.40% | 15.88% | 0.99% |
| Q2 2025 | — | — | — | 11.60% | 0.75% |
| Q3 2025 | — | — | — | 11.84% | 1.07% |
| Q4 2025 | — | — | — | 12.33% | 1.12% |
| Q1 2026 | — | — | — | 12.78% | 1.25% |
| Q2 2026 | — | — | — | 13.38% | 2.62% |
Currency Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Currency 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 Currency Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35019) · FFIEC NIC profile (RSSD 2807173)