Natbank, N.A.: 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: 592.89 percentage points higher than in Q1 2026, at 782.45%. Within Florida, Natbank, N.A. is 61st of 79 on return on assets, 0.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Natbank, N.A. sits 0.61 points lower, at 0.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 60.93% |
| Tier 1 risk-based capital ratio | 60.93% |
| Total risk-based capital ratio | 62.18% |
| Tier 1 leverage ratio | 29.81% |
| Equity capital to assets | 29.04% |
| Tangible equity to tangible assets | 29.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 0.28% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 782.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 2.16% |
| Net interest margin | 4.30% |
| Efficiency ratio | 70.35% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.19% |
| Core deposits to total deposits | 76.90% |
| Brokered deposits to total deposits | 7.38% |
| Deposits to assets | 69.72% |
| Securities to assets | 1.49% |
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 | 38.73% | 38.73% | 39.99% | 20.54% | 0.24% |
| Q4 2023 | 39.03% | 39.03% | 40.28% | 20.65% | 1.03% |
| Q1 2024 | 38.63% | 38.63% | 39.89% | 21.42% | -0.20% |
| Q2 2024 | 37.39% | 37.39% | 38.65% | 20.84% | 0.19% |
| Q3 2024 | 36.31% | 36.31% | 37.56% | 18.84% | 0.31% |
| Q4 2024 | 36.97% | 36.97% | 38.22% | 18.95% | 0.16% |
| Q1 2025 | 36.08% | 36.08% | 37.33% | 19.50% | 0.22% |
| Q2 2025 | 35.86% | 35.86% | 37.12% | 19.57% | 0.28% |
| Q3 2025 | 36.31% | 36.31% | 37.56% | 17.58% | 0.13% |
| Q4 2025 | 67.27% | 67.27% | 68.53% | 30.32% | 0.76% |
| Q1 2026 | 63.45% | 63.45% | 64.71% | 29.19% | 0.41% |
| Q2 2026 | 60.93% | 60.93% | 62.18% | 29.81% | 0.64% |
Natbank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Natbank, N.A., 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 Natbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33959) · FFIEC NIC profile (RSSD 2233875)