Harmony 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.
Core deposits to total deposits dropped 8.63 percentage points in Q2 2026, from 87.72% to 79.09%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Harmony Bank is 259th of 345 on return on assets, 1.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Harmony Bank sits 0.22 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.88% |
| Tier 1 risk-based capital ratio | 14.88% |
| Total risk-based capital ratio | 15.98% |
| Tier 1 leverage ratio | 11.90% |
| Equity capital to assets | 16.27% |
| Tangible equity to tangible assets | 11.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.99% |
| Texas ratio | 0.10% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 6932.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 6.51% |
| Net interest margin | 4.84% |
| Efficiency ratio | 59.72% |
| Yield on earning assets | 6.50% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.94% |
| Core deposits to total deposits | 79.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.74% |
| Securities to assets | 11.77% |
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 | 14.48% | 14.48% | 15.73% | 10.26% | 1.05% |
| Q4 2023 | 13.58% | 13.58% | 14.72% | 10.47% | 0.63% |
| Q1 2024 | 13.83% | 13.83% | 14.98% | 10.85% | 0.70% |
| Q2 2024 | 12.66% | 12.66% | 13.73% | 10.21% | 0.81% |
| Q3 2024 | 12.95% | 12.95% | 14.03% | 9.86% | 0.81% |
| Q4 2024 | 12.61% | 12.61% | 13.65% | 10.29% | 0.69% |
| Q1 2025 | 12.46% | 12.46% | 13.69% | 10.18% | 0.59% |
| Q2 2025 | 12.40% | 12.40% | 13.56% | 10.06% | 1.12% |
| Q3 2025 | 12.68% | 12.68% | 13.86% | 10.39% | 1.05% |
| Q4 2025 | 14.98% | 14.98% | 16.22% | 12.06% | 1.23% |
| Q1 2026 | 15.13% | 15.13% | 16.38% | 12.42% | 1.27% |
| Q2 2026 | 14.88% | 14.88% | 15.98% | 11.90% | 1.04% |
Harmony Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Harmony 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 Harmony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57922) · FFIEC NIC profile (RSSD 3297490)