Milestone 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 16.42 percentage points in Q2 2026, from 56.33% to 39.91%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Milestone Bank is 37th of 44 on return on assets, 0.91% as of Q2 2026. Milestone Bank reported 0.91% on return on assets for Q2 2026, 0.35 points below the 1.26% median for banks in the $100M-1B 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 | 15.01% |
| Equity capital to assets | 15.55% |
| Tangible equity to tangible assets | 15.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.01% |
| Non-performing assets ratio | 5.20% |
| Net charge-off ratio | 4.62% |
| Texas ratio | 24.80% |
| Allowance for credit losses to loans | 2.40% |
| Reserve coverage of non-performing loans | 39.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 6.03% |
| Net interest margin | 5.43% |
| Efficiency ratio | 61.91% |
| Yield on earning assets | 8.77% |
| Cost of funds | 3.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.73% |
| Core deposits to total deposits | 17.86% |
| Brokered deposits to total deposits | 81.79% |
| Deposits to assets | 82.65% |
| Securities to assets | 0.94% |
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 | 15.81% | 0.09% | 6.58% | 0.57% | 9.06% |
| Q4 2023 | 14.30% | 0.16% | 6.50% | 0.71% | 2.79% |
| Q1 2024 | 12.07% | 0.37% | 6.18% | 0.81% | 2.63% |
| Q2 2024 | 11.95% | 1.20% | 5.92% | 0.95% | 1.93% |
| Q3 2024 | 11.76% | 1.25% | 6.10% | 1.24% | 1.45% |
| Q4 2024 | 12.18% | 1.04% | 5.69% | 1.27% | 3.75% |
| Q1 2025 | 13.41% | 2.20% | 6.77% | 1.32% | 1.50% |
| Q2 2025 | 13.14% | 1.65% | 6.82% | 1.88% | 1.38% |
| Q3 2025 | 13.24% | 1.78% | 6.49% | 1.52% | 2.02% |
| Q4 2025 | 13.53% | -0.52% | 6.05% | 4.48% | 4.09% |
| Q1 2026 | 13.97% | 0.48% | 5.65% | 5.21% | 2.65% |
| Q2 2026 | 15.01% | 0.91% | 5.43% | 6.01% | 4.62% |
Milestone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milestone 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 Milestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58148) · FFIEC NIC profile (RSSD 3407084)