Lovelady State 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: 84.72 percentage points higher than in Q1 2026, at 262.50%. Within Texas, Lovelady State Bank is 209th of 345 on return on assets, 1.28% as of Q2 2026, below the middle of the field. Lovelady State Bank reported 1.28% on return on assets for Q2 2026, 0.30 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.40% |
| Tier 1 risk-based capital ratio | 23.40% |
| Total risk-based capital ratio | 24.56% |
| Tier 1 leverage ratio | 12.84% |
| Equity capital to assets | 12.62% |
| Tangible equity to tangible assets | 12.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.38% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 262.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 10.35% |
| Net interest margin | 4.53% |
| Efficiency ratio | 70.37% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.51% |
| Core deposits to total deposits | 83.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.47% |
| Securities to assets | 17.74% |
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 | 21.59% | 21.59% | 22.83% | 11.91% | 1.71% |
| Q4 2023 | 21.04% | 21.04% | 22.25% | 11.99% | 2.41% |
| Q1 2024 | 22.11% | 22.11% | 23.34% | 12.78% | 1.62% |
| Q2 2024 | 22.82% | 22.82% | 23.97% | 12.94% | 1.62% |
| Q3 2024 | 22.94% | 22.94% | 24.08% | 12.88% | 1.21% |
| Q4 2024 | 21.96% | 21.96% | 23.13% | 11.91% | 0.91% |
| Q1 2025 | 22.05% | 22.05% | 23.18% | 11.87% | 1.52% |
| Q2 2025 | 22.20% | 22.20% | 23.35% | 11.91% | 0.87% |
| Q3 2025 | 22.49% | 22.49% | 23.62% | 12.08% | 1.80% |
| Q4 2025 | 21.87% | 21.87% | 22.99% | 11.80% | 1.01% |
| Q1 2026 | 23.03% | 23.03% | 24.18% | 12.25% | 1.08% |
| Q2 2026 | 23.40% | 23.40% | 24.56% | 12.84% | 1.28% |
Lovelady State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lovelady State 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 Lovelady State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21807) · FFIEC NIC profile (RSSD 764151)