Mega 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 24.04 percentage points in Q2 2026, from 56.25% to 80.29%. It was the largest change from Q1 2026 among the key lines here. Mega Bank ranks 30th of 114 California banks on return on assets, in the upper half at 1.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Mega Bank sits 0.13 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.35% |
| Tier 1 risk-based capital ratio | 16.35% |
| Total risk-based capital ratio | 17.60% |
| Tier 1 leverage ratio | 14.43% |
| Equity capital to assets | 14.62% |
| Tangible equity to tangible assets | 14.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.61% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 8.77% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 80.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 9.84% |
| Net interest margin | 4.12% |
| Efficiency ratio | 51.50% |
| Yield on earning assets | 7.07% |
| Cost of funds | 3.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.65% |
| Core deposits to total deposits | 66.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.10% |
| Securities to assets | 1.62% |
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 | — | — | — | 13.44% | 1.50% |
| Q4 2023 | — | — | — | 12.95% | 1.10% |
| Q1 2024 | — | — | — | 12.46% | 0.96% |
| Q2 2024 | 15.65% | 15.65% | 16.90% | 12.18% | 0.94% |
| Q3 2024 | 15.41% | 15.41% | 16.66% | 12.89% | 1.00% |
| Q4 2024 | 15.30% | 15.30% | 16.55% | 12.70% | 1.16% |
| Q1 2025 | 15.03% | 15.03% | 16.28% | 12.99% | 0.90% |
| Q2 2025 | 15.75% | 15.75% | 17.00% | 13.61% | 0.94% |
| Q3 2025 | 15.44% | 15.44% | 16.69% | 13.99% | 0.69% |
| Q4 2025 | 15.92% | 15.92% | 17.17% | 13.85% | 1.31% |
| Q1 2026 | 16.48% | 16.48% | 17.73% | 13.95% | 0.88% |
| Q2 2026 | 16.35% | 16.35% | 17.60% | 14.43% | 1.39% |
Mega Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mega 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 Mega Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58401) · FFIEC NIC profile (RSSD 3690635)