Latimer State 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: 143.33 percentage points higher than in Q1 2026, at 860.00%. Among 169 Oklahoma banks, Latimer State Bank sits 8th from the top on return on assets, 2.61% as of Q2 2026. Latimer State Bank's return on assets of 2.61% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.61 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 72.24% |
| Tier 1 risk-based capital ratio | 72.24% |
| Total risk-based capital ratio | 73.19% |
| Tier 1 leverage ratio | 25.01% |
| Equity capital to assets | 24.81% |
| Tangible equity to tangible assets | 24.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.65% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 860.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.61% |
| Return on equity | 10.47% |
| Net interest margin | 3.92% |
| Efficiency ratio | 32.22% |
| Yield on earning assets | 4.62% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.11% |
| Core deposits to total deposits | 67.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.02% |
| Securities to assets | 24.33% |
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 | 66.24% | 66.24% | 67.16% | 21.96% | 1.94% |
| Q4 2023 | 68.62% | 68.62% | 69.57% | 22.95% | 1.80% |
| Q1 2024 | 68.26% | 68.26% | 69.20% | 22.96% | 2.18% |
| Q2 2024 | 68.29% | 68.29% | 69.23% | 22.73% | 2.36% |
| Q3 2024 | 69.16% | 69.16% | 70.11% | 23.25% | 2.49% |
| Q4 2024 | 68.20% | 68.20% | 69.10% | 24.13% | 2.18% |
| Q1 2025 | 69.31% | 69.31% | 70.25% | 23.71% | 2.57% |
| Q2 2025 | 69.63% | 69.63% | 70.58% | 23.83% | 2.76% |
| Q3 2025 | 71.29% | 71.29% | 72.25% | 24.08% | 2.94% |
| Q4 2025 | 72.39% | 72.39% | 73.34% | 25.17% | 2.08% |
| Q1 2026 | 72.60% | 72.60% | 73.55% | 25.19% | 2.48% |
| Q2 2026 | 72.24% | 72.24% | 73.19% | 25.01% | 2.61% |
Latimer State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Latimer State 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 Latimer State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22839) · FFIEC NIC profile (RSSD 51356)