Infinity 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.
Loan-to-deposit ratio climbed 17.09 percentage points in Q2 2026, from 65.10% to 82.18%. It was the largest change from Q1 2026 among the key lines here. Infinity Bank ranks 22nd of 114 California banks on return on assets, in the upper half at 1.66% (Q2 2026). Infinity Bank reported 1.66% on return on assets for Q2 2026, 0.40 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.31% |
| Tier 1 risk-based capital ratio | 15.31% |
| Total risk-based capital ratio | 17.94% |
| Tier 1 leverage ratio | 13.03% |
| Equity capital to assets | 11.97% |
| Tangible equity to tangible assets | 11.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.19% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 158.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 13.18% |
| Net interest margin | 5.76% |
| Efficiency ratio | 57.07% |
| Yield on earning assets | 6.88% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.18% |
| Core deposits to total deposits | 96.78% |
| Brokered deposits to total deposits | 3.22% |
| Deposits to assets | 86.36% |
| Securities to assets | 6.60% |
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 | 16.87% | 16.87% | 19.87% | 12.45% | 1.49% |
| Q4 2023 | 16.00% | 16.00% | 18.93% | 13.26% | 0.68% |
| Q1 2024 | 15.67% | 15.67% | 18.57% | 12.28% | 1.28% |
| Q2 2024 | 15.09% | 15.09% | 17.94% | 12.40% | 1.31% |
| Q3 2024 | 14.60% | 14.60% | 17.37% | 12.38% | 1.20% |
| Q4 2024 | 15.28% | 15.28% | 18.04% | 11.95% | 1.57% |
| Q1 2025 | 15.68% | 15.68% | 18.49% | 12.23% | 1.55% |
| Q2 2025 | 16.67% | 16.67% | 19.53% | 12.69% | 1.74% |
| Q3 2025 | 16.49% | 16.49% | 19.29% | 12.21% | 1.77% |
| Q4 2025 | 16.19% | 16.19% | 18.92% | 12.20% | 1.51% |
| Q1 2026 | 16.67% | 16.67% | 19.42% | 12.67% | 1.49% |
| Q2 2026 | 15.31% | 15.31% | 17.94% | 13.03% | 1.66% |
Infinity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Infinity 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 Infinity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59098) · FFIEC NIC profile (RSSD 5193989)