National Bank of St. Anne: 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 61.97 percentage points in Q2 2026, from 147.57% to 209.54%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, National Bank of St. Anne is 89th of 323 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. National Bank of St. Anne sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.25% |
| Tier 1 risk-based capital ratio | 11.25% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 10.44% |
| Tangible equity to tangible assets | 9.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 13.12% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 209.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 14.76% |
| Net interest margin | 5.06% |
| Efficiency ratio | 57.04% |
| Yield on earning assets | 6.59% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.21% |
| Core deposits to total deposits | 95.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.49% |
| Securities to assets | 4.60% |
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 | 11.34% | 11.34% | 12.38% | 9.09% | 0.80% |
| Q4 2023 | 10.72% | 10.72% | 11.73% | 8.62% | 0.59% |
| Q1 2024 | 10.74% | 10.74% | 11.77% | 8.63% | 0.67% |
| Q2 2024 | 10.55% | 10.55% | 11.56% | 8.90% | 0.90% |
| Q3 2024 | 10.53% | 10.53% | 11.54% | 8.74% | 0.80% |
| Q4 2024 | 10.28% | 10.28% | 11.26% | 8.65% | 0.56% |
| Q1 2025 | 10.53% | 10.53% | 11.51% | 8.70% | 0.84% |
| Q2 2025 | 11.20% | 11.20% | 12.26% | 9.07% | 1.08% |
| Q3 2025 | 10.93% | 10.93% | 11.99% | 9.12% | 1.17% |
| Q4 2025 | 11.36% | 11.36% | 12.46% | 9.52% | 1.55% |
| Q1 2026 | 11.25% | 11.25% | 12.40% | 9.13% | 1.06% |
| Q2 2026 | 11.25% | 11.25% | 12.39% | 9.44% | 1.54% |
National Bank of St. Anne vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of St. Anne, 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 National Bank of St. Anne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16752) · FFIEC NIC profile (RSSD 760340)