Minster 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 56.77 percentage points in Q2 2026, from 186.69% to 243.46%. It was the largest change from Q1 2026 among the key lines here. Minster Bank ranks 20th of 156 Ohio banks on return on assets, in the upper half at 1.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Minster Bank sits 0.40 points higher, at 1.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.22% |
| Tier 1 leverage ratio | 10.08% |
| Equity capital to assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.94% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 243.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 19.56% |
| Net interest margin | 3.82% |
| Efficiency ratio | 48.35% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.30% |
| Core deposits to total deposits | 94.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.64% |
| Securities to assets | 29.42% |
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 | 17.12% | 17.12% | 18.13% | 9.52% | 1.14% |
| Q4 2023 | 17.04% | 17.04% | 18.08% | 9.50% | 1.28% |
| Q1 2024 | 17.13% | 17.13% | 18.20% | 9.50% | 1.14% |
| Q2 2024 | 17.66% | 17.66% | 18.80% | 9.74% | 1.25% |
| Q3 2024 | 18.12% | 18.12% | 19.37% | 9.87% | 1.22% |
| Q4 2024 | 16.95% | 16.95% | 18.11% | 9.31% | 1.48% |
| Q1 2025 | 16.53% | 16.53% | 17.69% | 9.26% | 1.40% |
| Q2 2025 | 16.69% | 16.69% | 17.83% | 9.73% | 1.52% |
| Q3 2025 | 17.29% | 17.29% | 18.41% | 9.71% | 1.57% |
| Q4 2025 | 15.79% | 15.79% | 16.85% | 9.31% | 1.54% |
| Q1 2026 | 15.87% | 15.87% | 16.95% | 9.80% | 1.53% |
| Q2 2026 | 16.09% | 16.09% | 17.22% | 10.08% | 1.66% |
Minster Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minster 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 Minster Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 763) · FFIEC NIC profile (RSSD 604024)