Fayette Savings Bank, SSB: 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 Core deposits to total deposits: 1.95 percentage points higher than in Q1 2026, at 80.51%. Within Texas, Fayette Savings Bank, SSB is 82nd of 345 on return on assets, 1.90% as of Q2 2026, above the middle of the field. Fayette Savings Bank, SSB's return on assets of 1.90% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.64 points (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 | 10.95% |
| Equity capital to assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 19.39% |
| Net interest margin | 3.59% |
| Efficiency ratio | 49.22% |
| Yield on earning assets | 5.79% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.97% |
| Core deposits to total deposits | 80.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.74% |
| Securities to assets | 7.29% |
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 | 13.81% | 13.81% | 14.85% | 9.26% | 1.13% |
| Q4 2023 | 13.19% | 13.19% | 14.23% | 9.09% | 1.16% |
| Q1 2024 | 14.98% | 14.98% | 16.06% | 9.97% | 1.18% |
| Q2 2024 | 15.26% | 15.26% | 16.35% | 9.96% | 1.17% |
| Q3 2024 | 15.42% | 15.42% | 16.52% | 10.18% | 1.28% |
| Q4 2024 | 16.00% | 16.00% | 17.18% | 10.40% | 1.36% |
| Q1 2025 | 16.56% | 16.56% | 17.73% | 10.65% | 1.56% |
| Q2 2025 | 16.66% | 16.66% | 17.81% | 10.94% | 1.62% |
| Q3 2025 | 16.75% | 16.75% | 17.88% | 11.21% | 1.73% |
| Q4 2025 | — | — | — | 10.81% | 1.77% |
| Q1 2026 | — | — | — | 10.74% | 1.88% |
| Q2 2026 | — | — | — | 10.95% | 1.90% |
Fayette Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fayette Savings Bank, SSB, 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 Fayette Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31936) · FFIEC NIC profile (RSSD 675079)