Local 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.
Loan-to-deposit ratio dropped 11.10 percentage points in Q2 2026, from 109.84% to 98.74%. It was the largest change from Q1 2026 among the key lines here. Local Bank has the 5th lowest return on assets of the 93 banks headquartered in Alabama, at -0.80% as of Q2 2026. Local Bank's return on assets of -0.80% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.05 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.29% |
| Equity capital to assets | 15.33% |
| Tangible equity to tangible assets | 14.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.46% |
| Non-performing assets ratio | 1.30% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 8.46% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 62.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.80% |
| Return on equity | -4.94% |
| Net interest margin | 4.72% |
| Efficiency ratio | 105.09% |
| Yield on earning assets | 7.88% |
| Cost of funds | 3.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.74% |
| Core deposits to total deposits | 85.88% |
| Brokered deposits to total deposits | 5.13% |
| Deposits to assets | 78.58% |
| Securities to assets | 2.25% |
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 | 40.90% | -2.67% | 5.74% | 1.58% | 0.15% |
| Q4 2023 | 33.11% | -1.83% | 5.11% | 1.13% | -0.12% |
| Q1 2024 | 28.65% | -1.65% | 4.78% | 1.04% | 0.00% |
| Q2 2024 | 24.32% | -1.69% | 4.59% | 0.78% | -0.11% |
| Q3 2024 | 23.47% | -1.89% | 4.85% | 0.55% | -0.06% |
| Q4 2024 | 19.79% | -1.83% | 4.76% | 1.42% | -0.04% |
| Q1 2025 | 17.26% | -0.93% | 4.90% | 0.25% | -0.02% |
| Q2 2025 | 16.19% | 0.63% | 4.93% | 0.22% | -0.03% |
| Q3 2025 | 17.42% | 0.76% | 4.66% | 0.18% | -0.02% |
| Q4 2025 | 14.48% | -0.79% | 3.97% | 0.30% | -0.01% |
| Q1 2026 | 14.72% | -2.25% | 3.74% | 1.43% | 1.00% |
| Q2 2026 | 14.29% | -0.80% | 4.72% | 1.46% | -0.02% |
Local Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9614) · FFIEC NIC profile (RSSD 470434)