The Mint National 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.07 percentage points higher than in Q1 2026, at 92.25%. The Mint National Bank ranks 156th of 345 Texas banks on return on assets, in the upper half at 1.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Mint National Bank sits 0.33 points higher, at 1.58% (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 | 18.35% |
| Equity capital to assets | 18.29% |
| Tangible equity to tangible assets | 18.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.78% |
| Non-performing assets ratio | 4.42% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 21.67% |
| Allowance for credit losses to loans | 2.57% |
| Reserve coverage of non-performing loans | 92.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 8.69% |
| Net interest margin | 4.83% |
| Efficiency ratio | 62.43% |
| Yield on earning assets | 7.30% |
| Cost of funds | 3.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.48% |
| Core deposits to total deposits | 73.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.79% |
| Securities to assets | — |
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 | 14.59% | 1.11% | 4.48% | 0.57% | 0.70% |
| Q4 2023 | 14.14% | 0.91% | 4.48% | 0.52% | 1.66% |
| Q1 2024 | 14.24% | 1.29% | 4.32% | 2.23% | 0.00% |
| Q2 2024 | 14.31% | 1.08% | 4.22% | 4.65% | 0.37% |
| Q3 2024 | 14.74% | 1.47% | 4.36% | 4.81% | 0.09% |
| Q4 2024 | 14.93% | 1.37% | 4.52% | 4.27% | 0.61% |
| Q1 2025 | 14.70% | 1.23% | 4.40% | 1.95% | 1.70% |
| Q2 2025 | 16.16% | 1.52% | 4.96% | 2.00% | 0.00% |
| Q3 2025 | 16.68% | 1.32% | 4.97% | 1.89% | 0.03% |
| Q4 2025 | 17.08% | 1.97% | 4.75% | 3.58% | 0.00% |
| Q1 2026 | 17.65% | 1.32% | 4.84% | 3.34% | 0.00% |
| Q2 2026 | 18.35% | 1.58% | 4.83% | 2.78% | -0.02% |
The Mint National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mint National 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 The Mint National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58764) · FFIEC NIC profile (RSSD 3821626)