Durden Banking Company, Incorporated: 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: 153.77 percentage points higher than in Q1 2026, at 2819.61%. On return on assets, Durden Banking Company, Incorporated ranks 2nd highest among the 121 banks headquartered in Georgia, at 3.63% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Durden Banking Company, Incorporated reported 3.63% on return on assets in Q2 2026, 2.37 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.55% |
| Tier 1 risk-based capital ratio | 21.55% |
| Total risk-based capital ratio | 22.80% |
| Tier 1 leverage ratio | 16.24% |
| Equity capital to assets | 15.40% |
| Tangible equity to tangible assets | 15.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.78% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 2819.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.63% |
| Return on equity | 23.93% |
| Net interest margin | 5.96% |
| Efficiency ratio | 43.95% |
| Yield on earning assets | 6.70% |
| Cost of funds | 0.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.16% |
| Core deposits to total deposits | 92.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.31% |
| Securities to assets | 10.35% |
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 | 23.31% | 23.31% | 24.57% | 14.12% | 2.97% |
| Q4 2023 | 23.11% | 23.11% | 24.37% | 14.51% | 2.29% |
| Q1 2024 | 21.67% | 21.67% | 22.93% | 13.99% | 3.09% |
| Q2 2024 | 22.69% | 22.69% | 23.95% | 14.49% | 3.12% |
| Q3 2024 | 23.44% | 23.44% | 24.70% | 15.61% | 3.09% |
| Q4 2024 | 23.13% | 23.13% | 24.39% | 15.06% | 2.44% |
| Q1 2025 | 22.25% | 22.25% | 23.51% | 14.49% | 2.66% |
| Q2 2025 | 22.53% | 22.53% | 23.79% | 14.96% | 3.54% |
| Q3 2025 | 22.46% | 22.46% | 23.72% | 15.64% | 3.30% |
| Q4 2025 | 21.84% | 21.84% | 23.10% | 15.91% | 2.84% |
| Q1 2026 | 20.73% | 20.73% | 21.99% | 15.64% | 3.55% |
| Q2 2026 | 21.55% | 21.55% | 22.80% | 16.24% | 3.63% |
Durden Banking Company, Incorporated vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Durden Banking Company, Incorporated, 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 Durden Banking Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15336) · FFIEC NIC profile (RSSD 101439)