Lead 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 53.72 percentage points in Q2 2026, from 207.64% to 261.35%. It was the largest change from Q1 2026 among the key lines here. Lead Bank ranks 82nd of 191 Missouri banks on return on assets, in the upper half at 1.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Lead Bank sits 0.30 points higher, at 1.57% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.33% |
| Tier 1 risk-based capital ratio | 20.33% |
| Total risk-based capital ratio | 21.60% |
| Tier 1 leverage ratio | 7.40% |
| Equity capital to assets | 8.84% |
| Tangible equity to tangible assets | 7.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.83% |
| Texas ratio | 16.59% |
| Allowance for credit losses to loans | 2.31% |
| Reserve coverage of non-performing loans | 261.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 18.08% |
| Net interest margin | 7.29% |
| Efficiency ratio | 78.30% |
| Yield on earning assets | 8.29% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.11% |
| Core deposits to total deposits | 88.00% |
| Brokered deposits to total deposits | 14.86% |
| Deposits to assets | 89.29% |
| Securities to assets | 9.70% |
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 | 22.77% | 22.77% | 23.60% | 9.77% | 2.21% |
| Q4 2023 | 24.44% | 24.44% | 25.61% | 10.01% | 1.85% |
| Q1 2024 | 26.90% | 26.90% | 28.15% | 9.93% | 1.41% |
| Q2 2024 | 26.31% | 26.31% | 27.56% | 9.56% | 1.53% |
| Q3 2024 | 27.92% | 27.92% | 29.18% | 9.75% | 1.87% |
| Q4 2024 | 24.25% | 24.25% | 25.39% | 8.44% | 2.39% |
| Q1 2025 | 26.27% | 26.27% | 27.52% | 7.71% | 1.19% |
| Q2 2025 | 26.76% | 26.76% | 28.02% | 7.30% | 1.29% |
| Q3 2025 | 32.13% | 32.13% | 33.38% | 8.54% | 1.51% |
| Q4 2025 | 23.55% | 23.55% | 24.81% | 7.84% | 1.20% |
| Q1 2026 | 22.41% | 22.41% | 23.66% | 7.55% | 1.64% |
| Q2 2026 | 20.33% | 20.33% | 21.60% | 7.40% | 1.57% |
Lead Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lead 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 Lead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8283) · FFIEC NIC profile (RSSD 893855)