Nantahala Bank & Trust Company: 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 42.01 percentage points in Q2 2026, from 265.32% to 307.33%. It was the largest change from Q1 2026 among the key lines here. Nantahala Bank & Trust Company ranks 8th of 38 North Carolina banks on return on assets, in the upper half at 1.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Nantahala Bank & Trust Company sits 0.39 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.93% |
| Total risk-based capital ratio | 16.00% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 307.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 17.56% |
| Net interest margin | 4.74% |
| Efficiency ratio | 59.81% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.71% |
| Core deposits to total deposits | 91.65% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 90.17% |
| Securities to assets | 18.67% |
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 | 9.31% | 10.64% | 11.89% | 6.50% | 0.22% |
| Q4 2023 | 9.66% | 10.44% | 11.67% | 6.47% | 0.20% |
| Q1 2024 | 9.91% | 10.50% | 11.72% | 6.42% | 0.31% |
| Q2 2024 | 9.98% | 10.55% | 11.75% | 6.58% | 0.53% |
| Q3 2024 | 10.24% | 10.81% | 12.00% | 6.96% | 0.62% |
| Q4 2024 | 10.86% | 11.44% | 12.65% | 7.32% | 1.01% |
| Q1 2025 | 11.46% | 12.04% | 13.27% | 7.91% | 1.00% |
| Q2 2025 | 11.89% | 12.46% | 13.65% | 8.18% | 1.25% |
| Q3 2025 | 12.32% | 12.88% | 14.04% | 8.28% | 1.33% |
| Q4 2025 | 12.74% | 13.29% | 14.38% | 8.56% | 1.40% |
| Q1 2026 | 13.41% | 13.96% | 15.03% | 9.11% | 1.31% |
| Q2 2026 | 14.38% | 14.93% | 16.00% | 9.43% | 1.64% |
Nantahala Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nantahala Bank & Trust Company, 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)