Journey 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 climbed 5.94 percentage points in Q2 2026, from 109.60% to 115.54%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Journey Bank is 15th of 109 on return on assets, 1.69% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Journey Bank sits 0.42 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.74% |
| Tier 1 risk-based capital ratio | 16.74% |
| Total risk-based capital ratio | 17.73% |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 11.65% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 5.17% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 115.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 14.96% |
| Net interest margin | 4.36% |
| Efficiency ratio | 46.94% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.20% |
| Core deposits to total deposits | 92.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.92% |
| Securities to assets | 19.58% |
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 | — | — | — | 10.58% | 0.52% |
| Q4 2023 | 13.52% | 13.52% | 14.49% | 8.03% | -0.30% |
| Q1 2024 | 13.95% | 13.95% | 14.94% | 8.41% | 1.05% |
| Q2 2024 | 14.06% | 14.06% | 14.99% | 8.68% | 1.19% |
| Q3 2024 | 14.59% | 14.59% | 15.54% | 8.82% | 1.24% |
| Q4 2024 | 15.06% | 15.06% | 16.03% | 9.10% | 1.31% |
| Q1 2025 | 15.13% | 15.13% | 16.13% | 9.30% | 1.10% |
| Q2 2025 | 15.33% | 15.33% | 16.33% | 9.43% | 1.44% |
| Q3 2025 | 15.69% | 15.69% | 16.70% | 9.62% | 1.65% |
| Q4 2025 | 15.93% | 15.93% | 16.88% | 9.93% | 1.78% |
| Q1 2026 | 16.29% | 16.29% | 17.26% | 9.88% | 1.69% |
| Q2 2026 | 16.74% | 16.74% | 17.73% | 10.22% | 1.69% |
Journey Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Journey 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 Journey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 686) · FFIEC NIC profile (RSSD 881012)