Kingston National 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: 15.66 percentage points lower than in Q1 2026, at 375.39%. Within Ohio, Kingston National Bank is 103rd of 156 on return on assets, 0.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Kingston National Bank sits 0.45 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.37% |
| Tier 1 risk-based capital ratio | 13.37% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 9.21% |
| Equity capital to assets | 7.68% |
| Tangible equity to tangible assets | 7.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.23% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 375.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 10.76% |
| Net interest margin | 3.20% |
| Efficiency ratio | 70.40% |
| Yield on earning assets | 4.90% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.27% |
| Core deposits to total deposits | 78.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.45% |
| Securities to assets | 19.81% |
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 | 12.84% | 12.84% | 13.85% | 9.19% | 0.59% |
| Q4 2023 | 12.77% | 12.77% | 13.76% | 9.20% | 0.51% |
| Q1 2024 | 13.01% | 13.01% | 14.01% | 9.12% | 0.40% |
| Q2 2024 | 12.72% | 12.72% | 13.70% | 8.90% | 0.32% |
| Q3 2024 | 12.57% | 12.57% | 13.55% | 8.88% | 0.35% |
| Q4 2024 | 12.19% | 12.19% | 13.15% | 8.70% | 0.31% |
| Q1 2025 | 12.68% | 12.68% | 13.68% | 8.78% | 0.44% |
| Q2 2025 | 12.52% | 12.52% | 13.50% | 8.94% | 0.90% |
| Q3 2025 | 12.51% | 12.51% | 13.48% | 9.04% | 0.84% |
| Q4 2025 | 12.57% | 12.57% | 13.56% | 9.07% | 0.80% |
| Q1 2026 | 13.01% | 13.01% | 14.05% | 9.22% | 0.87% |
| Q2 2026 | 13.37% | 13.37% | 14.44% | 9.21% | 0.81% |
Kingston National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kingston National 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 Kingston National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6616) · FFIEC NIC profile (RSSD 966722)