Elevate Bank, N.A.: 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.
Core deposits to total deposits dropped 1.17 percentage points in Q2 2026, from 88.10% to 86.94%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Elevate Bank, N.A. is 159th of 182 on return on assets, 0.86% as of Q2 2026, below the middle of the field. Elevate Bank, N.A. reported 0.86% on return on assets for Q2 2026, 0.12 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 12.56% |
| Tangible equity to tangible assets | 11.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 4.08% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 7300.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 7.08% |
| Net interest margin | 5.35% |
| Efficiency ratio | 82.12% |
| Yield on earning assets | 6.58% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.82% |
| Core deposits to total deposits | 86.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.92% |
| Securities to assets | 14.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.05% | 0.61% | 5.60% | 0.34% | 0.20% |
| Q4 2023 | 10.89% | 1.21% | 6.16% | 0.07% | -0.07% |
| Q1 2024 | 11.68% | 0.68% | 5.96% | 0.02% | 0.00% |
| Q2 2024 | 11.61% | 0.89% | 5.76% | 0.18% | 0.00% |
| Q3 2024 | 11.67% | 0.86% | 6.06% | 0.00% | -0.10% |
| Q4 2024 | 11.83% | 0.86% | 5.83% | 0.59% | 0.03% |
| Q1 2025 | 12.44% | 3.52% | 5.69% | 0.00% | 0.01% |
| Q2 2025 | 12.54% | 0.63% | 6.11% | 0.00% | 0.00% |
| Q3 2025 | 12.81% | 1.57% | 6.06% | 0.00% | 0.00% |
| Q4 2025 | 11.83% | 0.61% | 6.26% | 0.00% | -0.01% |
| Q1 2026 | 11.09% | 0.39% | 5.41% | 0.00% | 0.07% |
| Q2 2026 | 11.17% | 0.86% | 5.35% | 0.01% | 0.16% |
Elevate Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elevate Bank, N.A., 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 Elevate Bank, N.A. profile, peer group comparison, or how this data updates.
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