Johnson City 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: 43.31 percentage points lower than in Q1 2026, at 457.69%. Within Texas, Johnson City Bank is 249th of 345 on return on assets, 1.09% as of Q2 2026, below the middle of the field. Johnson City Bank reported 1.09% on return on assets for Q2 2026, 0.17 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 12.08% |
| Tangible equity to tangible assets | 12.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.96% |
| Texas ratio | 1.20% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 457.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 9.07% |
| Net interest margin | 4.02% |
| Efficiency ratio | 63.15% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.67% |
| Core deposits to total deposits | 78.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.75% |
| Securities to assets | 13.19% |
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 | 12.32% | 1.85% | 4.11% | 0.01% | 0.09% |
| Q4 2023 | 12.69% | 1.72% | 3.95% | 0.00% | 0.08% |
| Q1 2024 | 13.03% | 1.44% | 3.58% | 0.00% | -0.08% |
| Q2 2024 | 13.01% | 1.40% | 3.89% | 0.00% | 0.04% |
| Q3 2024 | 13.02% | 1.46% | 3.92% | 0.24% | 0.01% |
| Q4 2024 | 13.29% | 1.58% | 3.97% | 0.29% | 0.02% |
| Q1 2025 | 13.63% | 1.37% | 3.95% | 0.28% | 0.08% |
| Q2 2025 | 13.74% | 1.45% | 4.00% | 0.41% | 0.05% |
| Q3 2025 | 13.48% | 1.25% | 4.04% | 0.53% | 0.06% |
| Q4 2025 | 13.21% | 1.47% | 4.06% | 0.27% | 0.64% |
| Q1 2026 | 13.07% | 1.50% | 3.99% | 0.23% | 0.15% |
| Q2 2026 | 12.57% | 1.09% | 4.02% | 0.24% | 0.96% |
Johnson City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson City 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 Johnson City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16176) · FFIEC NIC profile (RSSD 977652)