Echelon Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Echelon Bank reported 22 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. CET1 capital ratio was 97.25% in Q3 2026.
What the vital signs page covers and where each line comes from.
The standout move of Q3 2026 was in CET1 capital ratio: 79.06 percentage points lower than in Q2 2026, at 97.25%. On return on assets, Echelon Bank is 3rd from the bottom among 81 Florida banks, -7.23% (Q3 2026). Echelon Bank's return on assets of -7.23% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 8.21 points (Q3 2026).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 97.25% |
| Tier 1 risk-based capital ratio | 97.25% |
| Total risk-based capital ratio | 98.05% |
| Tier 1 leverage ratio | 38.48% |
| Equity capital to assets | 31.24% |
| Tangible equity to tangible assets | 31.23% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of nonperforming loans | — |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -7.23% |
| Return on equity | -18.93% |
| Net interest margin | 2.06% |
| Efficiency ratio | 524.24% |
| Yield on earning assets | 4.08% |
| Cost of funds | 3.17% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 31.07% |
| Core deposits to total deposits | 88.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.15% |
| Securities to assets | 10.98% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q2 2026 | 176.30% | 176.30% | 176.57% | 67.36% | -21.18% |
| Q3 2026 | 97.25% | 97.25% | 98.05% | 38.48% | -7.23% |
Echelon Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. How these pages are built. See the full Echelon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)