FNB 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: 12.00 percentage points higher than in Q1 2026, at 47.36%. FNB Bank ranks 118th of 182 Kansas banks on return on assets, in the lower half at 1.32% (Q2 2026). FNB Bank reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.21% |
| Tier 1 risk-based capital ratio | 14.21% |
| Total risk-based capital ratio | 15.46% |
| Tier 1 leverage ratio | 10.21% |
| Equity capital to assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.03% |
| Non-performing assets ratio | 2.71% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 26.15% |
| Allowance for credit losses to loans | 1.91% |
| Reserve coverage of non-performing loans | 47.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 16.09% |
| Net interest margin | 4.33% |
| Efficiency ratio | 72.21% |
| Yield on earning assets | 5.61% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.99% |
| Core deposits to total deposits | 93.41% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.94% |
| Securities to assets | 26.13% |
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 | 15.56% | 15.56% | 16.81% | 11.18% | 0.91% |
| Q4 2023 | 14.49% | 14.49% | 15.74% | 10.39% | 1.23% |
| Q1 2024 | 14.67% | 14.67% | 15.92% | 10.44% | 0.97% |
| Q2 2024 | 13.91% | 13.91% | 15.16% | 10.63% | 0.62% |
| Q3 2024 | 14.55% | 14.55% | 15.80% | 10.69% | 0.86% |
| Q4 2024 | 13.86% | 13.86% | 15.11% | 10.48% | 1.50% |
| Q1 2025 | 14.28% | 14.28% | 15.53% | 10.79% | 1.15% |
| Q2 2025 | 13.70% | 13.70% | 14.95% | 10.99% | 0.78% |
| Q3 2025 | 14.05% | 14.05% | 15.30% | 11.04% | 1.15% |
| Q4 2025 | 12.45% | 12.45% | 13.71% | 10.06% | -0.07% |
| Q1 2026 | 13.36% | 13.36% | 14.62% | 9.93% | 1.20% |
| Q2 2026 | 14.21% | 14.21% | 15.46% | 10.21% | 1.32% |
FNB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB 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 FNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14420) · FFIEC NIC profile (RSSD 805250)