Drake 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: 60.08 percentage points lower than in Q1 2026, at 59.63%. Drake Bank has the 22nd lowest return on assets of the 221 banks headquartered in Minnesota, at 0.60% as of Q2 2026. Drake Bank's return on assets of 0.60% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.80% |
| Tier 1 risk-based capital ratio | 9.80% |
| Total risk-based capital ratio | 11.07% |
| Tier 1 leverage ratio | 7.27% |
| Equity capital to assets | 6.97% |
| Tangible equity to tangible assets | 6.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.04% |
| Non-performing assets ratio | 5.82% |
| Net charge-off ratio | 0.90% |
| Texas ratio | 57.81% |
| Allowance for credit losses to loans | 3.01% |
| Reserve coverage of non-performing loans | 59.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 9.01% |
| Net interest margin | 3.45% |
| Efficiency ratio | 77.49% |
| Yield on earning assets | 5.99% |
| Cost of funds | 2.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.56% |
| Core deposits to total deposits | 74.11% |
| Brokered deposits to total deposits | 20.25% |
| Deposits to assets | 85.50% |
| Securities to assets | 11.58% |
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 | — | — | — | 10.12% | 0.34% |
| Q4 2023 | — | — | — | 9.63% | 0.01% |
| Q1 2024 | — | — | — | 9.12% | 0.42% |
| Q2 2024 | — | — | — | 9.04% | 0.50% |
| Q3 2024 | — | — | — | 8.70% | 1.07% |
| Q4 2024 | 10.70% | 10.70% | 11.95% | 8.95% | 0.97% |
| Q1 2025 | 10.45% | 10.45% | 11.71% | 8.42% | 1.08% |
| Q2 2025 | 10.79% | 10.79% | 12.05% | 8.28% | 0.91% |
| Q3 2025 | 11.21% | 11.21% | 12.35% | 8.35% | 0.78% |
| Q4 2025 | 10.55% | 10.55% | 11.80% | 7.96% | -3.60% |
| Q1 2026 | 9.50% | 9.50% | 10.78% | 6.98% | -3.02% |
| Q2 2026 | 9.80% | 9.80% | 11.07% | 7.27% | 0.60% |
Drake Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Drake 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 Drake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57336) · FFIEC NIC profile (RSSD 3090833)