Bank Safety Analysis
Nano Banc: final safety record
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Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 5.17 percentage points in Q2 2026, from 20.56% to 25.73%. It was the largest change from Q1 2026 among the key lines here. Nano Banc reported 7.83% on CET1 ratio for Q2 2026, 7.26 points below the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Nano Banc's CET1 ratio ranged between 7.15% (Q4 2025) and 19.56% (Q3 2024) and its Texas ratio ranged between 0.18% (Q4 2024) and 239.16% (Q4 2025). Between Q2 2025 and Q2 2026, Nano Banc's CET1 ratio fell from 15.44% to 7.83%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 10.19% to 25.73%, Texas ratio rose from 51.52% to 209.83% and return on assets rose from -6.42% to -1.19%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 7.83% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 5.04% is above the 5% well-capitalized threshold.
Nonperforming loans at 25.73% are at a stress-band level above 3%.
Texas Ratio of 209.8% is above the 100% threshold historically associated with bank failures.
Efficiency ratio of -151.1% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 7.83% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 209.83% | Watch at 50%, concern at 100% | Flagged |
| Non-performing loan ratio BankRegReports band | 25.73% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 69.81% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 584.44% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 7.83% |
| Q1 2026 | 8.17% |
| Q4 2025 | 7.15% |
| Q3 2025 | 11.18% |
| Q2 2025 | 15.44% |
| Q1 2025 | 17.54% |
| Q4 2024 | 18.57% |
| Q3 2024 | 19.56% |
| Q2 2024 | 17.00% |
| Q1 2024 | 16.09% |
| Q4 2023 | 15.52% |
| Q3 2023 | 15.30% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 209.83% |
| Q1 2026 | 193.50% |
| Q4 2025 | 239.16% |
| Q3 2025 | 103.61% |
| Q2 2025 | 51.52% |
| Q1 2025 | 8.28% |
| Q4 2024 | 0.18% |
| Q3 2024 | 10.11% |
| Q2 2024 | 17.30% |
| Q1 2024 | 25.18% |
| Q4 2023 | 22.03% |
| Q3 2023 | 29.58% |
Nano Banc by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 7.83% | 25.73% | 209.83% | -1.19% |
| Mar 31, 2026 | 8.17% | 20.56% | 193.50% | 0.05% |
| Dec 31, 2025 | 7.15% | 24.29% | 239.16% | -11.77% |
| Sep 30, 2025 | 11.18% | 15.39% | 103.61% | -14.60% |
| Jun 30, 2025 | 15.44% | 10.19% | 51.52% | -6.42% |
| Mar 31, 2025 | 17.54% | 1.77% | 8.28% | -0.11% |
| Dec 31, 2024 | 18.57% | 0.17% | 0.18% | -4.09% |
| Sep 30, 2024 | 19.56% | 2.35% | 10.11% | -0.27% |
| Jun 30, 2024 | 17.00% | 3.62% | 17.30% | 0.29% |
| Mar 31, 2024 | 16.09% | 5.17% | 25.18% | 0.28% |
| Dec 31, 2023 | 15.52% | 4.47% | 22.03% | -0.61% |
| Sep 30, 2023 | 15.30% | 6.00% | 29.58% | 0.87% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58590) · FFIEC NIC profile (RSSD 3635029)
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