Leader Bank, N.A.: 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: 136.68 percentage points higher than in Q1 2026, at 3306.01%. Within Massachusetts, Leader Bank, N.A. is 25th of 89 on return on assets, 1.00% as of Q2 2026, above the middle of the field. Leader Bank, N.A. reported 1.00% on return on assets for Q2 2026, 0.27 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.80% |
| Tier 1 risk-based capital ratio | 19.80% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 11.58% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.21% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 3306.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 9.14% |
| Net interest margin | 2.69% |
| Efficiency ratio | 59.52% |
| Yield on earning assets | 5.03% |
| Cost of funds | 2.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.87% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 4.39% |
| Deposits to assets | 80.66% |
| Securities to assets | 5.40% |
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 | 18.47% | 18.47% | 19.63% | 12.09% | 0.46% |
| Q4 2023 | 18.49% | 18.49% | 19.65% | 11.69% | 0.46% |
| Q1 2024 | 18.37% | 18.37% | 19.55% | 11.37% | 0.35% |
| Q2 2024 | 18.01% | 18.01% | 19.21% | 11.30% | 0.57% |
| Q3 2024 | 18.28% | 18.28% | 19.49% | 11.64% | 0.66% |
| Q4 2024 | 18.60% | 18.60% | 19.85% | 11.53% | 0.54% |
| Q1 2025 | 18.62% | 18.62% | 19.87% | 11.45% | 0.55% |
| Q2 2025 | 20.99% | 20.99% | 22.25% | 10.89% | 0.77% |
| Q3 2025 | 20.80% | 20.80% | 22.05% | 11.30% | 0.89% |
| Q4 2025 | 20.84% | 20.84% | 22.10% | 11.34% | 0.78% |
| Q1 2026 | 20.32% | 20.32% | 21.57% | 11.75% | 0.73% |
| Q2 2026 | 19.80% | 19.80% | 21.06% | 11.58% | 1.00% |
Leader Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Leader Bank, N.A., 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 Leader Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57134) · FFIEC NIC profile (RSSD 3109146)