Mayville 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.
Reserve coverage of non-performing loans dropped 23.59 percentage points in Q2 2026, from 87.84% to 64.25%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Mayville State Bank is 44th of 72 on return on assets, 1.07% as of Q2 2026, below the middle of the field. Mayville State Bank reported 1.07% on return on assets for Q2 2026, 0.09 points above the 0.98% median for banks in the < $100M 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 | 11.72% |
| Equity capital to assets | 9.88% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.09% |
| Non-performing assets ratio | 0.98% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 9.28% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 64.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 11.05% |
| Net interest margin | 3.62% |
| Efficiency ratio | 69.34% |
| Yield on earning assets | 4.29% |
| Cost of funds | 0.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.00% |
| Core deposits to total deposits | 98.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.85% |
| Securities to assets | 35.60% |
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 | 11.06% | 0.83% | 3.32% | 0.28% | 0.15% |
| Q4 2023 | 11.32% | 0.59% | 3.34% | 0.00% | 0.88% |
| Q1 2024 | 11.45% | 0.55% | 3.16% | 0.10% | 0.03% |
| Q2 2024 | 11.68% | 0.46% | 3.08% | 0.00% | -0.01% |
| Q3 2024 | 11.47% | 0.46% | 3.08% | 0.49% | 0.01% |
| Q4 2024 | 10.96% | 0.51% | 3.22% | 0.59% | 0.21% |
| Q1 2025 | 11.15% | 0.71% | 3.30% | 1.23% | -0.04% |
| Q2 2025 | 11.70% | 0.84% | 3.50% | 1.25% | 0.10% |
| Q3 2025 | 11.95% | 0.88% | 3.62% | 1.34% | 0.49% |
| Q4 2025 | 11.39% | 0.72% | 3.66% | 1.59% | -0.03% |
| Q1 2026 | 11.41% | 0.86% | 3.59% | 1.48% | 0.25% |
| Q2 2026 | 11.72% | 1.07% | 3.62% | 2.09% | -0.02% |
Mayville State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mayville 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 Mayville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12899) · FFIEC NIC profile (RSSD 358448)