Evertrust 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 39.51 percentage points in Q2 2026, from 138.43% to 177.94%. It was the largest change from Q1 2026 among the key lines here. Evertrust Bank ranks 58th of 114 California banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Evertrust Bank sits 0.23 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.71% |
| Equity capital to assets | 23.25% |
| Tangible equity to tangible assets | 20.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 3.04% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 177.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 4.35% |
| Net interest margin | 3.54% |
| Efficiency ratio | 56.81% |
| Yield on earning assets | 5.75% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.28% |
| Core deposits to total deposits | 63.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.40% |
| Securities to assets | 7.79% |
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 | 22.63% | 1.60% | 4.35% | 0.19% | 0.00% |
| Q4 2023 | 22.48% | -2.98% | 3.98% | 4.16% | 0.00% |
| Q1 2024 | 22.27% | 1.18% | 3.80% | 1.57% | 10.76% |
| Q2 2024 | 22.43% | 1.28% | 3.92% | 1.47% | 0.00% |
| Q3 2024 | 22.98% | 1.37% | 4.09% | 1.04% | 0.10% |
| Q4 2024 | 23.84% | 4.85% | 3.78% | 0.32% | -9.19% |
| Q1 2025 | 23.43% | 1.17% | 3.68% | 0.30% | 0.00% |
| Q2 2025 | 23.23% | 1.32% | 3.98% | 0.28% | 0.11% |
| Q3 2025 | 22.07% | 1.40% | 3.95% | 0.34% | 0.18% |
| Q4 2025 | 21.45% | 1.10% | 3.62% | 0.84% | 0.04% |
| Q1 2026 | 21.57% | 1.04% | 3.58% | 0.82% | 0.00% |
| Q2 2026 | 21.71% | 1.04% | 3.54% | 0.63% | 0.12% |
Evertrust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evertrust 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 Evertrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34010) · FFIEC NIC profile (RSSD 2297998)