Impact Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Impact Bank reported all 23 line items on this page on its Q2 2026 filing. CET1 capital ratio was 15.40% in Q2 2026, up 1.03 percentage points from 14.37% in Q2 2025. Across the 12 quarters shown it ranged from 12.43% (Q4 2023) to 15.40% (Q2 2026).
What the vital signs page covers and where each line comes from.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 3.23 percentage points lower than in Q1 2026, at 5.88%. Within Kansas, Impact Bank is 31st of 182 on return on assets, 1.93% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Impact Bank reported 1.93% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.40% |
| Tier 1 risk-based capital ratio | 15.40% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 3860.61% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 27.49% |
| Net interest margin | 3.63% |
| Efficiency ratio | 47.73% |
| Yield on earning assets | 5.13% |
| Cost of funds | 1.60% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.54% |
| Core deposits to total deposits | 82.26% |
| Brokered deposits to total deposits | 5.88% |
| Deposits to assets | 91.47% |
| Securities to assets | 23.49% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 15.25% | 15.25% | 16.45% | 11.17% | 1.15% |
| Q4 2023 | 12.43% | 12.43% | 13.44% | 10.06% | 0.93% |
| Q1 2024 | 12.82% | 12.82% | 13.88% | 10.03% | 0.97% |
| Q2 2024 | 13.25% | 13.25% | 14.31% | 10.38% | 1.10% |
| Q3 2024 | 13.42% | 13.42% | 14.48% | 10.50% | 0.85% |
| Q4 2024 | 13.33% | 13.33% | 14.40% | 9.65% | 0.90% |
| Q1 2025 | 13.96% | 13.96% | 15.00% | 9.89% | 1.10% |
| Q2 2025 | 14.37% | 14.37% | 15.42% | 10.24% | 1.19% |
| Q3 2025 | 14.48% | 14.48% | 15.51% | 10.73% | 1.14% |
| Q4 2025 | 14.51% | 14.51% | 15.60% | 10.41% | 1.73% |
| Q1 2026 | 15.14% | 15.14% | 16.24% | 10.78% | 1.37% |
| Q2 2026 | 15.40% | 15.40% | 16.49% | 10.62% | 1.93% |
Impact Bank vital signs, quarter by quarter
Vital Signs since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q2 2026. How these pages are built. See the full Impact Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17399) · FFIEC NIC profile (RSSD 369453)