Goppert State Service 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.
Reserve coverage of non-performing loans climbed 8.65 percentage points in Q2 2026, from 83.83% to 92.48%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Goppert State Service Bank is 97th of 182 on return on assets, 1.44% as of Q2 2026, below the middle of the field. Goppert State Service Bank reported 1.44% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.28% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.51% |
| Non-performing assets ratio | 1.41% |
| Net charge-off ratio | 0.83% |
| Texas ratio | 15.35% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 92.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 15.80% |
| Net interest margin | 4.52% |
| Efficiency ratio | 53.00% |
| Yield on earning assets | 6.27% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.83% |
| Core deposits to total deposits | 91.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.24% |
| Securities to assets | 8.07% |
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 | 9.87% | 0.95% | 4.59% | 0.72% | 0.08% |
| Q4 2023 | 9.32% | -1.51% | 4.50% | 1.60% | 2.96% |
| Q1 2024 | 9.25% | 1.41% | 4.60% | 1.53% | 0.27% |
| Q2 2024 | 9.37% | 1.34% | 4.55% | 1.98% | 0.60% |
| Q3 2024 | 9.24% | 0.80% | 4.46% | 3.05% | 0.32% |
| Q4 2024 | 9.12% | 0.71% | 4.59% | 2.57% | 0.79% |
| Q1 2025 | 9.15% | 1.22% | 4.42% | 2.29% | 0.39% |
| Q2 2025 | 9.06% | 1.04% | 4.50% | 2.13% | 0.03% |
| Q3 2025 | 9.33% | 1.15% | 4.53% | 2.29% | -0.01% |
| Q4 2025 | 9.48% | 1.40% | 4.80% | 1.75% | 1.82% |
| Q1 2026 | 9.40% | 1.51% | 4.55% | 1.78% | 0.11% |
| Q2 2026 | 9.28% | 1.44% | 4.52% | 1.51% | 0.83% |
Goppert State Service Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Goppert State Service 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 Goppert State Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17317) · FFIEC NIC profile (RSSD 850456)