Flat Branch 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 Efficiency ratio: 82.13 percentage points lower than in Q1 2026, at 72.83%. On return on assets, Flat Branch Bank is 16th from the bottom among 191 Missouri banks, 0.64% (Q2 2026). Flat Branch Bank reported 0.64% on return on assets for Q2 2026, 0.36 points below the 1.00% 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 | 12.58% |
| Equity capital to assets | 14.47% |
| Tangible equity to tangible assets | 12.58% |
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 | 0.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 4.47% |
| Net interest margin | 4.56% |
| Efficiency ratio | 72.83% |
| Yield on earning assets | 6.38% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.50% |
| Core deposits to total deposits | 98.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.37% |
| Securities to assets | 6.72% |
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 | 27.93% | 27.93% | 29.19% | 9.57% | 0.78% |
| Q4 2023 | 29.32% | 29.32% | 30.58% | 10.24% | 0.72% |
| Q1 2024 | 45.47% | 45.47% | 46.46% | 13.99% | -1.06% |
| Q2 2024 | 40.02% | 40.02% | 41.02% | 11.39% | 1.35% |
| Q3 2024 | 31.69% | 31.69% | 32.94% | 8.56% | 1.00% |
| Q4 2024 | 33.98% | 33.98% | 35.23% | 9.26% | 0.24% |
| Q1 2025 | 29.18% | 29.18% | 30.43% | 9.07% | 0.08% |
| Q2 2025 | 23.16% | 23.16% | 24.41% | 8.30% | -0.52% |
| Q3 2025 | 16.43% | 16.43% | 17.46% | 8.10% | 0.06% |
| Q4 2025 | — | — | — | 12.95% | 0.41% |
| Q1 2026 | — | — | — | 11.97% | -2.49% |
| Q2 2026 | — | — | — | 12.58% | 0.64% |
Flat Branch Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flat Branch 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 Flat Branch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15751) · FFIEC NIC profile (RSSD 786256)