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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 210.77 percentage points lower than in Q1 2026, at 120.32%. Local Bank ranks 150th of 169 Oklahoma banks on return on assets, in the lower half at 0.42% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Local Bank reported 0.42% on return on assets in Q2 2026, 0.84 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 13.75% |
| Tier 1 leverage ratio | 11.35% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 10.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.69% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 120.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 3.82% |
| Net interest margin | 4.31% |
| Efficiency ratio | 84.00% |
| Yield on earning assets | 7.09% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.55% |
| Core deposits to total deposits | 67.53% |
| Brokered deposits to total deposits | 19.55% |
| Deposits to assets | 82.63% |
| Securities to assets | 4.47% |
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 | 20.64% | 20.64% | 21.47% | 15.23% | 0.43% |
| Q4 2023 | 19.97% | 19.97% | 20.81% | 14.33% | -0.08% |
| Q1 2024 | 18.25% | 18.25% | 19.04% | 13.82% | 0.30% |
| Q2 2024 | 17.24% | 17.24% | 18.02% | 13.16% | 0.45% |
| Q3 2024 | 16.50% | 16.50% | 17.26% | 12.94% | 0.62% |
| Q4 2024 | 15.63% | 15.63% | 16.35% | 12.77% | 0.26% |
| Q1 2025 | 15.51% | 15.51% | 16.23% | 12.51% | 0.29% |
| Q2 2025 | 15.18% | 15.18% | 15.90% | 12.49% | 0.79% |
| Q3 2025 | 14.76% | 14.76% | 15.47% | 12.21% | 0.47% |
| Q4 2025 | 14.25% | 14.25% | 14.89% | 11.74% | 0.27% |
| Q1 2026 | 13.79% | 13.79% | 14.41% | 11.48% | 0.29% |
| Q2 2026 | 13.13% | 13.13% | 13.75% | 11.35% | 0.42% |
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 2327) · FFIEC NIC profile (RSSD 815754)