Global Innovations 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.
Return on equity climbed 15.87 percentage points in Q2 2026, from 9.61% to 25.49%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Global Innovations Bank is 28th of 221 on return on assets, 2.06% as of Q2 2026, above the middle of the field. Global Innovations Bank's return on assets of 2.06% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.81 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.57% |
| Tier 1 risk-based capital ratio | 11.57% |
| Total risk-based capital ratio | 12.48% |
| Tier 1 leverage ratio | 8.47% |
| Equity capital to assets | 8.09% |
| Tangible equity to tangible assets | 8.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 25.49% |
| Net interest margin | 3.78% |
| Efficiency ratio | 63.25% |
| Yield on earning assets | 6.23% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.82% |
| Core deposits to total deposits | 66.62% |
| Brokered deposits to total deposits | 7.31% |
| Deposits to assets | 91.11% |
| Securities to assets | 0.16% |
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 | 34.44% | 34.44% | 35.69% | 14.28% | 1.39% |
| Q4 2023 | 28.23% | 28.23% | 29.45% | 14.49% | 0.46% |
| Q1 2024 | 24.56% | 24.56% | 25.64% | 13.88% | 1.35% |
| Q2 2024 | 22.54% | 22.54% | 23.55% | 12.15% | 1.26% |
| Q3 2024 | 21.30% | 21.30% | 22.28% | 11.92% | 1.38% |
| Q4 2024 | 19.45% | 19.45% | 20.43% | 11.37% | 0.02% |
| Q1 2025 | 15.93% | 15.93% | 16.82% | 9.41% | -0.19% |
| Q2 2025 | 14.92% | 14.92% | 15.84% | 8.97% | 0.43% |
| Q3 2025 | 14.74% | 14.74% | 15.63% | 9.15% | 1.06% |
| Q4 2025 | 13.38% | 13.38% | 14.21% | 8.61% | 0.57% |
| Q1 2026 | 11.74% | 11.74% | 12.58% | 8.44% | 0.80% |
| Q2 2026 | 11.57% | 11.57% | 12.48% | 8.47% | 2.06% |
Global Innovations Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Global Innovations 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 Global Innovations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5175) · FFIEC NIC profile (RSSD 1015458)