Nano Banc: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Nano Banc reported all 23 line items on this page on its Q2 2026 filing. CET1 capital ratio was 7.83% in Q2 2026, down 7.61 percentage points from 15.44% in Q2 2025. Across the 12 quarters shown it ranged from 7.15% (Q4 2025) to 19.56% (Q3 2024).
What the vital signs page covers and where each line comes from.
The standout move of Q2 2026 was in Efficiency ratio: 262.68 percentage points lower than in Q1 2026, at -151.09%. Nano Banc's return on assets of -1.19% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.45 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 7.83% |
| Tier 1 risk-based capital ratio | 7.83% |
| Total risk-based capital ratio | 9.11% |
| Tier 1 leverage ratio | 5.04% |
| Equity capital to assets | 5.27% |
| Tangible equity to tangible assets | 5.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 25.73% |
| Non-performing assets ratio | 16.74% |
| Net charge-off ratio | 5.98% |
| Texas ratio | 209.83% |
| Allowance for credit losses to loans | 4.16% |
| Reserve coverage of non-performing loans | 16.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.19% |
| Return on equity | -23.37% |
| Net interest margin | 1.76% |
| Efficiency ratio | -151.09% |
| Yield on earning assets | 4.00% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.81% |
| Core deposits to total deposits | 72.58% |
| Brokered deposits to total deposits | 22.79% |
| Deposits to assets | 93.16% |
| Securities to assets | 5.45% |
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 | 15.30% | 15.30% | 16.59% | 12.65% | 0.87% |
| Q4 2023 | 15.52% | 15.52% | 16.82% | 12.66% | -0.61% |
| Q1 2024 | 16.09% | 16.09% | 17.38% | 12.71% | 0.28% |
| Q2 2024 | 17.00% | 17.00% | 18.29% | 13.24% | 0.29% |
| Q3 2024 | 19.56% | 19.56% | 20.86% | 11.59% | -0.27% |
| Q4 2024 | 18.57% | 18.57% | 19.86% | 11.20% | -4.09% |
| Q1 2025 | 17.54% | 17.54% | 18.83% | 12.08% | -0.11% |
| Q2 2025 | 15.44% | 15.44% | 16.72% | 10.20% | -6.42% |
| Q3 2025 | 11.18% | 11.18% | 12.46% | 7.23% | -14.60% |
| Q4 2025 | 7.15% | 7.15% | 8.42% | 4.77% | -11.77% |
| Q1 2026 | 8.17% | 8.17% | 9.44% | 4.79% | 0.05% |
| Q2 2026 | 7.83% | 7.83% | 9.11% | 5.04% | -1.19% |
Nano Banc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nano Banc, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q2 2026. How these pages are built. See the full Nano Banc profile, peer group comparison, or how this data updates.
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