The Hightower Trust Company, N.A.: 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 assets dropped 2.62 percentage points in Q2 2026, from -4.22% to -6.84%. It was the largest change from Q1 2026 among the key lines here. Against a median of 0.98% for banks in the < $100M asset tier, The Hightower Trust Company, N.A. reported -6.84% on return on assets in Q2 2026, 7.82 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 83.34% |
| Equity capital to assets | 87.65% |
| Tangible equity to tangible assets | 87.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -6.84% |
| Return on equity | -8.09% |
| Net interest margin | 3.25% |
| Efficiency ratio | 129.62% |
| Yield on earning assets | 3.25% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 86.74% |
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 |
|---|---|---|---|
| Q3 2023 | 84.64% | -0.13% | 5.93% |
| Q4 2023 | 82.27% | -1.12% | 4.17% |
| Q1 2024 | 79.05% | 1.62% | 4.18% |
| Q2 2024 | 79.95% | 1.00% | 5.16% |
| Q3 2024 | 84.85% | 2.92% | 5.01% |
| Q4 2024 | 89.02% | 1.25% | 5.30% |
| Q1 2025 | 86.45% | 1.52% | 4.29% |
| Q2 2025 | 90.10% | 3.83% | 4.05% |
| Q3 2025 | 82.74% | -0.81% | 4.47% |
| Q4 2025 | 92.15% | -2.60% | 4.35% |
| Q1 2026 | 86.86% | -4.22% | 2.17% |
| Q2 2026 | 83.34% | -6.84% | 3.25% |
The Hightower Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hightower Trust Company, N.A., 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 The Hightower Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2597232)