Dayforce National Trust 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.
Return on assets dropped 4.32 percentage points in Q2 2026, from 18.56% to 14.24%. It was the largest change from Q1 2026 among the key lines here. Dayforce National Trust Bank's return on assets of 14.24% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 13.26 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 | 104.15% |
| Equity capital to assets | 92.67% |
| Tangible equity to tangible assets | 92.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 14.24% |
| Return on equity | 16.43% |
| Net interest margin | 3.19% |
| Efficiency ratio | 70.44% |
| Yield on earning assets | 3.19% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | — |
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 |
|---|---|---|---|
| Q3 2023 | 83.57% | 22.25% | 5.56% |
| Q4 2023 | 81.15% | 27.63% | 5.01% |
| Q1 2024 | 85.60% | 23.60% | 4.64% |
| Q2 2024 | 85.35% | 20.46% | 5.10% |
| Q3 2024 | 84.35% | 19.39% | 4.95% |
| Q4 2024 | 86.78% | 19.46% | 4.97% |
| Q1 2025 | 88.82% | 20.98% | 4.06% |
| Q2 2025 | 85.85% | 17.96% | 4.45% |
| Q3 2025 | 86.86% | 16.58% | 4.18% |
| Q4 2025 | 89.36% | 26.37% | 3.83% |
| Q1 2026 | 91.83% | 18.56% | 3.41% |
| Q2 2026 | 104.15% | 14.24% | 3.19% |
Dayforce National Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dayforce National Trust 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 Dayforce National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5805817)