Independent 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.
Reserve coverage of non-performing loans dropped 1371.39 percentage points in Q2 2026, from 1508.26% to 136.87%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Independent Bank is 40th of 109 on return on assets, 1.33% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Independent Bank sits 0.05 points higher, at 1.33% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.22% |
| Tier 1 risk-based capital ratio | 10.22% |
| Total risk-based capital ratio | 11.05% |
| Tier 1 leverage ratio | 10.60% |
| Equity capital to assets | 10.52% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.36% |
| Texas ratio | 8.39% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 136.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 11.85% |
| Net interest margin | 4.68% |
| Efficiency ratio | 59.77% |
| Yield on earning assets | 7.81% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.36% |
| Core deposits to total deposits | 62.33% |
| Brokered deposits to total deposits | 30.41% |
| Deposits to assets | 87.31% |
| Securities to assets | 0.40% |
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 | 10.87% | 10.87% | 12.02% | 10.76% | 1.41% |
| Q4 2023 | 10.92% | 10.92% | 12.02% | 10.70% | 1.26% |
| Q1 2024 | 10.78% | 10.78% | 11.88% | 10.71% | 1.22% |
| Q2 2024 | 10.19% | 10.19% | 11.19% | 10.71% | 1.29% |
| Q3 2024 | 10.69% | 10.69% | 11.68% | 10.49% | 1.38% |
| Q4 2024 | 10.45% | 10.45% | 11.41% | 10.42% | 1.17% |
| Q1 2025 | 10.89% | 10.89% | 11.87% | 10.70% | 0.99% |
| Q2 2025 | 9.82% | 9.82% | 10.65% | 10.62% | 1.30% |
| Q3 2025 | 10.23% | 10.23% | 11.06% | 10.09% | 1.47% |
| Q4 2025 | 10.45% | 10.45% | 11.27% | 10.44% | 1.26% |
| Q1 2026 | 10.62% | 10.62% | 11.48% | 10.49% | 1.29% |
| Q2 2026 | 10.22% | 10.22% | 11.05% | 10.60% | 1.33% |
Independent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34728) · FFIEC NIC profile (RSSD 2666400)