Inspire 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.
Cet1 capital ratio dropped 15.64 percentage points in Q2 2026, from 274.26% to 258.61%. 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, Inspire Trust Company, N.A. reported 36.96% on return on assets in Q2 2026, 35.98 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 258.61% |
| Tier 1 risk-based capital ratio | 258.61% |
| Total risk-based capital ratio | 258.61% |
| Tier 1 leverage ratio | 104.59% |
| Equity capital to assets | 95.54% |
| Tangible equity to tangible assets | 95.54% |
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 | 36.96% |
| Return on equity | 33.04% |
| Net interest margin | 2.83% |
| Efficiency ratio | 67.70% |
| Yield on earning assets | 2.83% |
| 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 | — |
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 | 464.61% | 464.61% | 464.61% | 282.54% | — |
| Q4 2023 | 421.94% | 421.94% | 421.94% | 91.00% | -26.57% |
| Q1 2024 | 382.11% | 382.11% | 382.11% | 99.69% | -29.57% |
| Q2 2024 | 347.37% | 347.37% | 347.37% | 100.02% | 5.87% |
| Q3 2024 | 329.14% | 329.14% | 329.14% | 101.12% | 22.53% |
| Q4 2024 | 323.90% | 323.90% | 323.90% | 102.16% | 34.49% |
| Q1 2025 | 313.65% | 313.65% | 313.65% | 97.57% | 13.62% |
| Q2 2025 | 313.55% | 313.55% | 313.55% | 105.66% | 41.98% |
| Q3 2025 | 308.17% | 308.17% | 308.17% | 110.84% | 43.08% |
| Q4 2025 | 261.38% | 261.38% | 261.38% | 93.87% | 16.82% |
| Q1 2026 | 274.26% | 274.26% | 274.26% | 93.91% | 36.63% |
| Q2 2026 | 258.61% | 258.61% | 258.61% | 104.59% | 36.96% |
Inspire Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Inspire 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 Inspire Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5805488)