Ma 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.
Reserve coverage of non-performing loans climbed 56.09 percentage points in Q2 2026, from 211.20% to 267.29%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Ma Bank is 150th of 192 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Ma Bank sits 0.24 points lower, at 1.01% (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 | 9.54% |
| Equity capital to assets | 9.05% |
| Tangible equity to tangible assets | 8.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 6.22% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 267.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.06% |
| Net interest margin | 3.38% |
| Efficiency ratio | 70.37% |
| Yield on earning assets | 5.44% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.72% |
| Core deposits to total deposits | 87.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.34% |
| Securities to assets | 33.84% |
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 | 10.16% | 1.34% | 3.25% | 0.87% | 0.17% |
| Q4 2023 | 10.04% | 0.83% | 2.95% | 0.84% | -0.01% |
| Q1 2024 | 9.94% | 0.80% | 3.30% | 0.84% | -0.03% |
| Q2 2024 | 10.16% | 1.21% | 3.49% | 0.78% | -0.03% |
| Q3 2024 | 10.26% | 1.33% | 3.45% | 0.68% | 0.08% |
| Q4 2024 | 9.94% | 0.67% | 3.28% | 0.64% | -0.05% |
| Q1 2025 | 9.55% | 0.66% | 3.18% | 0.61% | 0.00% |
| Q2 2025 | 9.64% | 1.00% | 3.25% | 0.59% | 0.02% |
| Q3 2025 | 9.77% | 0.86% | 3.26% | 1.03% | 0.01% |
| Q4 2025 | 9.81% | 0.91% | 3.51% | 0.54% | -0.02% |
| Q1 2026 | 9.52% | 1.12% | 3.32% | 0.71% | 0.00% |
| Q2 2026 | 9.54% | 1.01% | 3.38% | 0.52% | 0.05% |
Ma Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ma 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 Ma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14695) · FFIEC NIC profile (RSSD 34555)