Fwbank: 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: 8.12 percentage points higher than in Q1 2026, at 48.94%. Fwbank ranks 266th of 323 Illinois banks on return on assets, in the lower half at 0.60% (Q2 2026). Fwbank's return on assets of 0.60% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.65 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 | 12.51% |
| Equity capital to assets | 12.83% |
| Tangible equity to tangible assets | 12.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.73% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 13.54% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 48.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 4.67% |
| Net interest margin | 5.08% |
| Efficiency ratio | 78.18% |
| Yield on earning assets | 6.35% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.01% |
| Core deposits to total deposits | 82.14% |
| Brokered deposits to total deposits | 10.59% |
| Deposits to assets | 85.22% |
| Securities to assets | 16.91% |
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 | 19.52% | -0.70% | 4.80% | 0.00% | 0.08% |
| Q4 2023 | 18.50% | -0.44% | 5.81% | 0.01% | 0.00% |
| Q1 2024 | 15.03% | -2.16% | 5.51% | 2.69% | 0.00% |
| Q2 2024 | 14.51% | 1.50% | 5.14% | 2.31% | 0.00% |
| Q3 2024 | 13.67% | 2.82% | 5.36% | 1.61% | 3.38% |
| Q4 2024 | 13.11% | 0.71% | 5.26% | 1.52% | 0.02% |
| Q1 2025 | 13.12% | 0.39% | 4.96% | 1.46% | 0.01% |
| Q2 2025 | 12.99% | 1.87% | 5.12% | 1.41% | -0.01% |
| Q3 2025 | 13.21% | 2.14% | 5.06% | 1.39% | -0.00% |
| Q4 2025 | 13.36% | 4.73% | 5.10% | 3.06% | 1.82% |
| Q1 2026 | 12.87% | 0.67% | 5.03% | 2.82% | 0.72% |
| Q2 2026 | 12.51% | 0.60% | 5.08% | 2.73% | -0.03% |
Fwbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fwbank, 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 Fwbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59195) · FFIEC NIC profile (RSSD 5435988)