Interstate 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 38.82 percentage points higher than in Q1 2026, at 72.69%. Interstate Bank ranks 214th of 345 Texas banks on return on assets, in the lower half at 1.27% (Q2 2026). At 1.27%, Interstate Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 6.44% |
| Tangible equity to tangible assets | 6.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.60% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | -4.72% |
| Texas ratio | 22.72% |
| Allowance for credit losses to loans | 2.62% |
| Reserve coverage of non-performing loans | 72.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 20.07% |
| Net interest margin | 3.28% |
| Efficiency ratio | 64.93% |
| Yield on earning assets | 4.75% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.33% |
| Core deposits to total deposits | 92.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.33% |
| Securities to assets | 28.19% |
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 | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.71% | 1.16% | 3.75% | 1.91% | 2.40% |
| Q4 2023 | 9.70% | 0.40% | 3.49% | 1.47% | 0.57% |
| Q1 2024 | 9.43% | 0.91% | 3.87% | 1.31% | 0.00% |
| Q2 2024 | 9.61% | 1.42% | 3.70% | 2.12% | 2.30% |
| Q3 2024 | 9.75% | 1.80% | 4.05% | 1.61% | 1.22% |
| Q4 2024 | 9.62% | 0.88% | 3.83% | 1.70% | 0.97% |
| Q1 2025 | 9.86% | 2.07% | 3.50% | 1.83% | 0.08% |
| Q2 2025 | 10.02% | 2.02% | 3.75% | 2.12% | 0.13% |
| Q3 2025 | 10.19% | 1.47% | 3.57% | 4.52% | 1.65% |
| Q4 2025 | 9.43% | -1.66% | 3.39% | 4.55% | 4.67% |
| Q1 2026 | 9.30% | 1.29% | 3.18% | 4.37% | -0.30% |
| Q2 2026 | 9.36% | 1.27% | 3.28% | 3.60% | -4.72% |
Interstate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Interstate 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 Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31043) · FFIEC NIC profile (RSSD 791072)