Douglas National 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 650.71 percentage points in Q2 2026, from 321.22% to 971.92%. It was the largest change from Q1 2026 among the key lines here. Among 121 Georgia banks, Douglas National Bank sits 3rd from the top on return on assets, 3.47% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Douglas National Bank reported 3.47% on return on assets in Q2 2026, 2.22 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.53% |
| Tier 1 risk-based capital ratio | 14.53% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 10.33% |
| Equity capital to assets | 9.76% |
| Tangible equity to tangible assets | 9.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.75% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 971.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.47% |
| Return on equity | 37.03% |
| Net interest margin | 5.19% |
| Efficiency ratio | 41.16% |
| Yield on earning assets | 6.53% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.61% |
| Core deposits to total deposits | 89.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.13% |
| Securities to assets | 7.83% |
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 | 14.83% | 14.83% | 15.93% | 10.18% | 3.08% |
| Q4 2023 | 15.06% | 15.06% | 16.17% | 10.28% | 2.89% |
| Q1 2024 | 14.10% | 14.10% | 15.22% | 9.89% | 2.76% |
| Q2 2024 | 14.00% | 14.00% | 15.09% | 10.26% | 3.23% |
| Q3 2024 | 14.37% | 14.37% | 15.47% | 10.43% | 3.28% |
| Q4 2024 | 13.76% | 13.76% | 14.79% | 9.56% | 2.97% |
| Q1 2025 | 13.83% | 13.83% | 14.89% | 9.15% | 2.99% |
| Q2 2025 | 14.44% | 14.44% | 15.52% | 9.68% | 3.35% |
| Q3 2025 | 14.90% | 14.90% | 15.99% | 10.39% | 3.40% |
| Q4 2025 | 15.17% | 15.17% | 16.25% | 10.95% | 3.51% |
| Q1 2026 | 14.19% | 14.19% | 15.26% | 9.93% | 3.47% |
| Q2 2026 | 14.53% | 14.53% | 15.60% | 10.33% | 3.47% |
Douglas National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Douglas National 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 Douglas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57230) · FFIEC NIC profile (RSSD 3049635)