Bank Safety Analysis
Meadows Bank: final safety record
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Return on assets fell 0.33 percentage points from Q4 2025 to Q1 2026, ending at 1.51% against 1.85%. It was the largest change among the key lines on this page. From Q2 2023 to Q1 2026, Meadows Bank's Texas ratio ranged between 0.70% (Q4 2023) and 6.59% (Q2 2023). Between Q1 2025 and Q1 2026, Meadows Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.07% to 1.05%, Texas ratio fell from 2.68% to 2.60% and return on assets rose from 1.44% to 1.51%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
Leverage ratio of 13.95% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 13.95% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.05% are within industry-normal range.
Texas Ratio of 2.6% is well below the 100% historical failure threshold.
Efficiency ratio of 58.8% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q1 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 2.60% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.05% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 43.65% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 121.06% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 244.80% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.30% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2026 | 2.60% |
| Q4 2025 | 2.49% |
| Q3 2025 | 1.93% |
| Q2 2025 | 3.73% |
| Q1 2025 | 2.68% |
| Q4 2024 | 2.49% |
| Q3 2024 | 1.14% |
| Q2 2024 | 1.24% |
| Q1 2024 | 1.37% |
| Q4 2023 | 0.70% |
| Q3 2023 | 1.31% |
| Q2 2023 | 6.59% |
Meadows Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2026 | — | 1.05% | 2.60% | 1.51% |
| Dec 31, 2025 | — | 0.90% | 2.49% | 1.85% |
| Sep 30, 2025 | — | 0.87% | 1.93% | 1.87% |
| Jun 30, 2025 | — | 1.15% | 3.73% | 1.74% |
| Mar 31, 2025 | — | 1.07% | 2.68% | 1.44% |
| Dec 31, 2024 | — | 1.01% | 2.49% | 1.66% |
| Sep 30, 2024 | — | 0.59% | 1.14% | 1.69% |
| Jun 30, 2024 | — | 0.53% | 1.24% | 1.82% |
| Mar 31, 2024 | — | 0.58% | 1.37% | 1.62% |
| Dec 31, 2023 | — | 0.14% | 0.70% | 1.99% |
| Sep 30, 2023 | — | 0.27% | 1.31% | 2.54% |
| Jun 30, 2023 | — | 1.16% | 6.59% | 2.04% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58722) · FFIEC NIC profile (RSSD 3719648)
Explore: Full Meadows Bank profile · Other banks in NV · Metric glossary · How the call report works