Llano 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: 179.32 percentage points higher than in Q1 2026, at 379.50%. Within Texas, Llano National Bank is 245th of 345 on return on assets, 1.09% as of Q2 2026, below the middle of the field. Llano National Bank reported 1.09% on return on assets for Q2 2026, 0.16 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.11% |
| Equity capital to assets | 10.50% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 2.52% |
| Allowance for credit losses to loans | 1.92% |
| Reserve coverage of non-performing loans | 379.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 10.63% |
| Net interest margin | 3.86% |
| Efficiency ratio | 68.87% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.29% |
| Core deposits to total deposits | 87.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.32% |
| Securities to assets | 31.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.47% | 1.28% | 3.39% | 0.41% | -0.08% |
| Q4 2023 | 11.36% | 1.19% | 3.37% | 0.40% | 0.09% |
| Q1 2024 | 11.37% | 0.70% | 3.16% | 0.57% | 0.01% |
| Q2 2024 | 11.80% | 1.09% | 3.27% | 0.56% | 0.20% |
| Q3 2024 | 12.02% | 1.06% | 3.32% | 0.47% | 0.03% |
| Q4 2024 | 12.18% | 1.00% | 3.41% | 0.57% | -0.00% |
| Q1 2025 | 12.17% | 1.06% | 3.45% | 0.68% | 0.26% |
| Q2 2025 | 12.45% | 1.05% | 3.56% | 0.52% | -0.15% |
| Q3 2025 | 12.62% | 1.04% | 3.65% | 0.68% | 0.17% |
| Q4 2025 | 12.67% | 1.05% | 3.77% | 0.73% | 0.12% |
| Q1 2026 | 12.37% | 0.96% | 3.66% | 0.94% | 0.44% |
| Q2 2026 | 13.11% | 1.09% | 3.86% | 0.51% | -0.04% |
Llano National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Llano 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 Llano National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24305) · FFIEC NIC profile (RSSD 946555)