Founders 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 Brokered deposits to total deposits: 6.13 percentage points higher than in Q1 2026, at 17.90%. Against a median of 1.26% for banks in the $100M-1B asset tier, Founders Bank reported 0.58% on return on assets in Q2 2026, 0.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.18% |
| Equity capital to assets | 13.46% |
| Tangible equity to tangible assets | 13.46% |
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 | 0.81% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 4.22% |
| Net interest margin | 4.04% |
| Efficiency ratio | 79.45% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.40% |
| Core deposits to total deposits | 78.41% |
| Brokered deposits to total deposits | 17.90% |
| Deposits to assets | 82.42% |
| Securities to assets | 7.02% |
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 | 18.09% | 0.38% | 3.59% | 0.00% | 0.00% |
| Q4 2023 | 17.49% | 0.89% | 3.54% | 0.00% | 0.00% |
| Q1 2024 | 17.57% | 2.38% | 3.31% | 0.00% | 0.00% |
| Q2 2024 | 16.21% | 0.04% | 3.36% | 0.00% | 0.00% |
| Q3 2024 | 15.35% | 0.24% | 3.40% | 0.00% | 0.00% |
| Q4 2024 | 15.01% | 0.27% | 3.54% | 0.00% | 0.00% |
| Q1 2025 | 14.67% | 0.14% | 3.56% | 0.00% | 0.00% |
| Q2 2025 | 14.05% | 0.45% | 3.62% | 0.00% | 0.00% |
| Q3 2025 | 14.05% | 0.57% | 3.87% | 0.00% | 0.00% |
| Q4 2025 | 14.15% | 0.96% | 3.75% | 0.00% | 0.00% |
| Q1 2026 | 14.61% | 0.49% | 3.91% | 0.00% | 0.00% |
| Q2 2026 | 14.18% | 0.58% | 4.04% | 0.00% | 0.00% |
Founders Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Founders 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 Founders Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59193) · FFIEC NIC profile (RSSD 5398355)