Hatch 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 Reserve coverage of non-performing loans: 673.27 percentage points lower than in Q1 2026, at 113.89%. On return on assets, Hatch Bank is 3rd from the bottom among 114 California banks, -4.12% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Hatch Bank reported -4.12% on return on assets in Q2 2026, 5.38 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.63% |
| Tier 1 risk-based capital ratio | 31.63% |
| Total risk-based capital ratio | 31.73% |
| Tier 1 leverage ratio | 21.49% |
| Equity capital to assets | 20.98% |
| Tangible equity to tangible assets | 20.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 0.11% |
| Reserve coverage of non-performing loans | 113.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -4.12% |
| Return on equity | -20.17% |
| Net interest margin | 5.06% |
| Efficiency ratio | -248.63% |
| Yield on earning assets | 7.07% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 266.44% |
| Core deposits to total deposits | 0.09% |
| Brokered deposits to total deposits | 99.91% |
| Deposits to assets | 23.28% |
| Securities to assets | 16.35% |
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 | 32.09% | 32.09% | 32.88% | 17.65% | -0.74% |
| Q4 2023 | 29.11% | 29.11% | 29.92% | 21.21% | 0.09% |
| Q1 2024 | 30.95% | 30.95% | 31.87% | 19.96% | 0.70% |
| Q2 2024 | 36.80% | 36.80% | 38.07% | 20.84% | 1.47% |
| Q3 2024 | 38.59% | 38.59% | 39.86% | 27.13% | 1.61% |
| Q4 2024 | 40.41% | 40.41% | 41.69% | 26.58% | 0.47% |
| Q1 2025 | 35.46% | 35.46% | 36.73% | 26.39% | 2.17% |
| Q2 2025 | 32.87% | 32.87% | 34.13% | 24.54% | 3.45% |
| Q3 2025 | 33.28% | 33.28% | 34.55% | 26.37% | 5.20% |
| Q4 2025 | 29.22% | 29.22% | 30.48% | 26.36% | 3.40% |
| Q1 2026 | 30.76% | 30.76% | 32.02% | 22.73% | 4.75% |
| Q2 2026 | 31.63% | 31.63% | 31.73% | 21.49% | -4.12% |
Hatch Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hatch 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 Hatch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25803) · FFIEC NIC profile (RSSD 733661)