Greater State 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 Loan-to-deposit ratio: 2.71 percentage points higher than in Q1 2026, at 89.78%. Within Texas, Greater State Bank is 199th of 345 on return on assets, 1.34% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Greater State Bank sits 0.08 points higher, at 1.34% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.45% |
| Tier 1 risk-based capital ratio | 14.45% |
| Total risk-based capital ratio | 15.70% |
| Tier 1 leverage ratio | 11.05% |
| Equity capital to assets | 11.01% |
| Tangible equity to tangible assets | 11.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.34% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 12.33% |
| Net interest margin | 6.15% |
| Efficiency ratio | 73.61% |
| Yield on earning assets | 7.69% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.78% |
| Core deposits to total deposits | 84.36% |
| Brokered deposits to total deposits | 0.57% |
| Deposits to assets | 88.35% |
| Securities to assets | 1.13% |
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 | 14.71% | 14.71% | 15.97% | 9.20% | 1.28% |
| Q4 2023 | 14.57% | 14.57% | 15.82% | 9.09% | 0.93% |
| Q1 2024 | 14.48% | 14.48% | 15.73% | 9.21% | 0.98% |
| Q2 2024 | 13.82% | 13.82% | 15.07% | 9.12% | 1.12% |
| Q3 2024 | 14.20% | 14.20% | 15.45% | 9.31% | 1.37% |
| Q4 2024 | 16.19% | 16.19% | 17.45% | 9.59% | 1.33% |
| Q1 2025 | 15.46% | 15.46% | 16.71% | 10.04% | 1.47% |
| Q2 2025 | 15.16% | 15.16% | 16.41% | 10.47% | 1.25% |
| Q3 2025 | 15.31% | 15.31% | 16.56% | 10.47% | 1.34% |
| Q4 2025 | 14.30% | 14.30% | 15.55% | 10.46% | 1.40% |
| Q1 2026 | 14.37% | 14.37% | 15.63% | 10.71% | 1.19% |
| Q2 2026 | 14.45% | 14.45% | 15.70% | 11.05% | 1.34% |
Greater State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Greater State 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 Greater State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31762) · FFIEC NIC profile (RSSD 518877)