The Donley County 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.
Reserve coverage of non-performing loans climbed 5.17 percentage points in Q2 2026, from 117.33% to 122.50%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Donley County State Bank is 299th of 345 on return on assets, 0.69% as of Q2 2026, below the middle of the field. The Donley County State Bank reported 0.69% on return on assets for Q2 2026, 0.30 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 68.33% |
| Tier 1 risk-based capital ratio | 68.33% |
| Total risk-based capital ratio | 69.58% |
| Tier 1 leverage ratio | 20.86% |
| Equity capital to assets | 20.59% |
| Tangible equity to tangible assets | 20.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.77% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 3.39% |
| Reserve coverage of non-performing loans | 122.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 3.30% |
| Net interest margin | 2.74% |
| Efficiency ratio | 77.53% |
| Yield on earning assets | 4.42% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 18.47% |
| Core deposits to total deposits | 83.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.72% |
| Securities to assets | 46.92% |
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 | 56.46% | 56.46% | 57.71% | 18.12% | 0.53% |
| Q4 2023 | 54.92% | 54.92% | 56.17% | 17.27% | 0.61% |
| Q1 2024 | 55.63% | 55.63% | 56.88% | 18.07% | 0.83% |
| Q2 2024 | 54.42% | 54.42% | 55.67% | 18.92% | 1.20% |
| Q3 2024 | 54.75% | 54.75% | 56.00% | 18.76% | 1.14% |
| Q4 2024 | 53.81% | 53.81% | 55.06% | 17.87% | 1.20% |
| Q1 2025 | 55.37% | 55.37% | 56.62% | 18.15% | 1.13% |
| Q2 2025 | 57.38% | 57.38% | 58.62% | 19.37% | 1.41% |
| Q3 2025 | 64.97% | 64.97% | 66.22% | 20.47% | 4.61% |
| Q4 2025 | 67.62% | 67.62% | 68.87% | 19.89% | 2.11% |
| Q1 2026 | 70.30% | 70.30% | 71.55% | 20.92% | 1.06% |
| Q2 2026 | 68.33% | 68.33% | 69.58% | 20.86% | 0.69% |
The Donley County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Donley County 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 The Donley County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11891) · FFIEC NIC profile (RSSD 753856)