Kress 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.
Securities to assets climbed 8.80 percentage points in Q2 2026, from 31.06% to 39.86%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Kress National Bank is 172nd of 345 on return on assets, 1.50% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, Kress National Bank reported 1.50% on return on assets in Q2 2026, 0.52 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.71% |
| Tier 1 risk-based capital ratio | 29.71% |
| Total risk-based capital ratio | 30.96% |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.47% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 16.46% |
| Net interest margin | 3.37% |
| Efficiency ratio | 55.81% |
| Yield on earning assets | 4.96% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.47% |
| Core deposits to total deposits | 81.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.22% |
| Securities to assets | 39.86% |
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 | 23.29% | 23.29% | 24.54% | 10.49% | 1.48% |
| Q4 2023 | 25.24% | 25.24% | 26.49% | 10.67% | 1.22% |
| Q1 2024 | 24.97% | 24.97% | 26.22% | 10.10% | 1.55% |
| Q2 2024 | 24.10% | 24.10% | 25.35% | 11.16% | 1.70% |
| Q3 2024 | 23.89% | 23.89% | 25.14% | 11.99% | 1.17% |
| Q4 2024 | 24.09% | 24.09% | 25.34% | 12.42% | 0.74% |
| Q1 2025 | 26.53% | 26.53% | 27.79% | 10.91% | 1.47% |
| Q2 2025 | 25.34% | 25.34% | 26.59% | 10.82% | 1.58% |
| Q3 2025 | 24.33% | 24.33% | 25.58% | 10.94% | 1.40% |
| Q4 2025 | 29.16% | 29.16% | 30.42% | 10.82% | 1.07% |
| Q1 2026 | 30.59% | 30.59% | 31.84% | 10.07% | 1.06% |
| Q2 2026 | 29.71% | 29.71% | 30.96% | 9.64% | 1.50% |
Kress National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kress 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 Kress National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18892) · FFIEC NIC profile (RSSD 995955)