Four States 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 Core deposits to total deposits: 7.28 percentage points higher than in Q1 2026, at 80.12%. Four States Bank has the 4th lowest return on assets of the 192 banks headquartered in Missouri, at 0.04% as of Q2 2026. Four States Bank's return on assets of 0.04% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.21 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 | 15.85% |
| Equity capital to assets | 14.97% |
| Tangible equity to tangible assets | 14.97% |
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 | 1.12% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.04% |
| Return on equity | 0.26% |
| Net interest margin | 3.87% |
| Efficiency ratio | 82.59% |
| Yield on earning assets | 6.73% |
| Cost of funds | 3.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.47% |
| Core deposits to total deposits | 80.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.42% |
| Securities to assets | 4.10% |
Vital Signs trend
Last 8 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 2024 | 96.81% | — | — | 0.00% | — |
| Q4 2024 | 61.93% | -6.76% | 5.76% | 0.00% | 0.00% |
| Q1 2025 | 40.66% | -1.31% | 4.68% | 0.00% | 0.00% |
| Q2 2025 | 33.02% | -2.20% | 4.19% | 0.00% | 0.00% |
| Q3 2025 | 27.43% | -0.66% | 4.37% | 0.00% | 0.00% |
| Q4 2025 | 26.15% | -1.40% | 4.54% | 0.00% | 0.00% |
| Q1 2026 | 20.53% | 0.01% | 4.10% | 0.00% | 0.00% |
| Q2 2026 | 15.85% | 0.04% | 3.87% | 0.00% | 0.00% |
Four States Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Four States 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 Four States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59352) · FFIEC NIC profile (RSSD 5903517)