McClave 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.
Loan-to-deposit ratio climbed 3.96 percentage points in Q3 2026, from 105.21% to 109.17%. It was the largest change from Q2 2026 among the key lines here. Within Colorado, McClave State Bank is 15th of 63 on return on assets, 1.72% as of Q3 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, McClave State Bank reported 1.72% on return on assets in Q3 2026, 0.74 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.19% |
| Equity capital to assets | 13.45% |
| Tangible equity to tangible assets | 13.45% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 791.35% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 12.50% |
| Net interest margin | 4.87% |
| Efficiency ratio | 52.75% |
| Yield on earning assets | 7.41% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 109.17% |
| Core deposits to total deposits | 64.94% |
| Brokered deposits to total deposits | 16.48% |
| Deposits to assets | 79.47% |
| Securities to assets | 4.82% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.53% | 1.18% | 5.02% | 0.20% | 0.00% |
| Q1 2024 | 13.43% | 1.55% | 4.78% | 0.24% | 0.00% |
| Q2 2024 | 13.26% | 1.93% | 4.91% | 0.74% | 0.00% |
| Q3 2024 | 12.64% | 1.62% | 4.80% | 0.70% | 0.00% |
| Q4 2024 | 12.65% | 1.28% | 4.88% | 0.16% | 1.20% |
| Q1 2025 | 12.75% | 1.56% | 4.69% | 0.17% | -0.01% |
| Q2 2025 | 12.84% | 1.49% | 4.92% | 0.16% | -0.01% |
| Q3 2025 | 12.69% | 1.43% | 4.55% | 0.52% | 0.01% |
| Q4 2025 | 12.82% | 1.24% | 4.71% | 0.52% | -0.01% |
| Q1 2026 | 12.98% | 1.71% | 4.73% | 0.57% | 0.00% |
| Q2 2026 | 14.04% | 1.91% | 5.13% | 0.15% | 0.02% |
| Q3 2026 | 14.19% | 1.72% | 4.87% | 0.14% | 0.00% |
McClave State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock McClave 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 McClave State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11261) · FFIEC NIC profile (RSSD 399357)