Firstar 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.56 percentage points lower than in Q1 2026, at 145.54%. Within Oklahoma, Firstar Bank is 80th of 169 on return on assets, 1.51% as of Q2 2026. Firstar Bank reported 1.51% on return on assets for Q2 2026, 0.23 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.64% |
| Tier 1 risk-based capital ratio | 12.64% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 9.03% |
| Equity capital to assets | 10.95% |
| Tangible equity to tangible assets | 8.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.91% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 145.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 13.88% |
| Net interest margin | 4.70% |
| Efficiency ratio | 59.88% |
| Yield on earning assets | 6.49% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.64% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.07% |
| Securities to assets | 5.81% |
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 | 10.19% | 10.19% | 11.22% | 8.65% | 1.31% |
| Q4 2023 | 10.40% | 10.40% | 11.42% | 8.76% | 1.13% |
| Q1 2024 | 10.18% | 10.18% | 11.25% | 8.69% | 0.84% |
| Q2 2024 | 10.69% | 10.69% | 11.80% | 8.16% | 1.00% |
| Q3 2024 | 11.18% | 11.18% | 12.20% | 8.89% | 2.01% |
| Q4 2024 | 11.25% | 11.25% | 12.25% | 8.98% | 1.34% |
| Q1 2025 | 11.52% | 11.52% | 12.49% | 9.18% | 1.61% |
| Q2 2025 | 11.61% | 11.61% | 12.61% | 9.22% | 1.39% |
| Q3 2025 | 11.72% | 11.72% | 12.72% | 9.50% | 1.90% |
| Q4 2025 | 11.37% | 11.37% | 12.35% | 9.23% | 4.07% |
| Q1 2026 | 12.09% | 12.09% | 13.12% | 9.21% | 1.61% |
| Q2 2026 | 12.64% | 12.64% | 13.70% | 9.03% | 1.51% |
Firstar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstar 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 Firstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19288) · FFIEC NIC profile (RSSD 427353)