National Bank & Trust: 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: 38.50 percentage points higher than in Q1 2026, at 691.27%. On return on assets, National Bank & Trust is 33rd from the bottom among 345 Texas banks, 0.46% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, National Bank & Trust reported 0.46% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.03% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 691.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 5.60% |
| Net interest margin | 2.98% |
| Efficiency ratio | 78.62% |
| Yield on earning assets | 5.13% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.00% |
| Core deposits to total deposits | 91.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.09% |
| Securities to assets | 35.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.12% | 0.17% | 2.23% | 0.03% | -0.01% |
| Q4 2023 | 11.94% | 0.33% | 2.14% | 0.03% | 0.04% |
| Q1 2024 | 11.78% | 0.30% | 2.05% | 0.03% | 0.00% |
| Q2 2024 | 12.25% | 0.13% | 2.04% | 0.03% | -0.03% |
| Q3 2024 | 12.37% | 0.22% | 2.42% | 0.03% | -0.04% |
| Q4 2024 | 12.87% | 0.56% | 2.61% | 0.03% | 0.03% |
| Q1 2025 | 12.19% | 0.20% | 2.67% | 0.03% | -0.01% |
| Q2 2025 | 11.21% | 0.47% | 2.78% | 0.22% | -0.01% |
| Q3 2025 | 11.77% | 0.66% | 2.83% | 0.22% | -0.00% |
| Q4 2025 | 11.34% | 0.70% | 2.88% | 0.18% | 0.13% |
| Q1 2026 | 10.88% | 0.37% | 2.71% | 0.17% | -0.01% |
| Q2 2026 | 10.83% | 0.46% | 2.98% | 0.17% | 0.02% |
National Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3289) · FFIEC NIC profile (RSSD 792659)