Members Trust Company: 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.
The standout move of Q2 2026 was in Securities to assets: 1.10 percentage points lower than in Q1 2026, at 62.70%. Members Trust Company has the 4th lowest return on assets of the 79 banks headquartered in Florida, at -1.36% as of Q2 2026. Members Trust Company's return on assets of -1.36% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 2.36 points (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 | 91.41% |
| Equity capital to assets | 83.98% |
| Tangible equity to tangible assets | 83.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.36% |
| Return on equity | -1.55% |
| Net interest margin | 3.58% |
| Efficiency ratio | 101.24% |
| Yield on earning assets | 3.66% |
| Cost of funds | 3.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 1.46% |
| Securities to assets | 62.70% |
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 |
|---|---|---|---|
| Q3 2023 | 87.45% | -0.33% | 4.11% |
| Q4 2023 | 88.59% | -2.30% | 4.11% |
| Q1 2024 | 87.31% | -8.23% | 4.32% |
| Q2 2024 | 87.73% | -7.39% | 4.19% |
| Q3 2024 | 84.75% | -10.32% | 4.22% |
| Q4 2024 | 87.68% | 3.52% | 3.96% |
| Q1 2025 | 85.39% | -7.34% | 4.00% |
| Q2 2025 | 86.80% | -5.93% | 3.87% |
| Q3 2025 | 85.88% | -7.75% | 3.82% |
| Q4 2025 | 86.43% | -3.87% | 3.90% |
| Q1 2026 | 90.56% | -0.88% | 3.63% |
| Q2 2026 | 91.41% | -1.36% | 3.58% |
Members Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Members Trust Company, 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 Members Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57470) · FFIEC NIC profile (RSSD 3219269)