New Covenant Trust Company, 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.
Cet1 capital ratio dropped 7.92 percentage points in Q2 2026, from 256.26% to 248.35%. It was the largest change from Q1 2026 among the key lines here. Against a median of 0.98% for banks in the < $100M asset tier, New Covenant Trust Company, N.A. reported 11.79% on return on assets in Q2 2026, 10.80 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 248.35% |
| Tier 1 risk-based capital ratio | 248.35% |
| Total risk-based capital ratio | 248.35% |
| Tier 1 leverage ratio | 90.76% |
| Equity capital to assets | 92.39% |
| Tangible equity to tangible assets | 92.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 11.79% |
| Return on equity | 13.20% |
| Net interest margin | 3.61% |
| Efficiency ratio | 81.75% |
| Yield on earning assets | 3.61% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 49.73% |
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 | 220.33% | 220.33% | 220.33% | 91.20% | 5.92% |
| Q4 2023 | 267.77% | 267.77% | 267.77% | 91.18% | 3.34% |
| Q1 2024 | 246.70% | 246.70% | 246.70% | 88.49% | 3.33% |
| Q2 2024 | 255.03% | 255.03% | 255.03% | 87.02% | 9.65% |
| Q3 2024 | 255.58% | 255.58% | 255.58% | 92.59% | 9.09% |
| Q4 2024 | 249.30% | 249.30% | 249.30% | 91.57% | 6.42% |
| Q1 2025 | 249.98% | 249.98% | 249.98% | 89.57% | 3.94% |
| Q2 2025 | 133.63% | 133.63% | 133.63% | 91.68% | 11.70% |
| Q3 2025 | 218.95% | 218.95% | 218.95% | 94.30% | 12.27% |
| Q4 2025 | 252.92% | 252.92% | 252.92% | 93.33% | 15.07% |
| Q1 2026 | 256.26% | 256.26% | 256.26% | 95.12% | 13.46% |
| Q2 2026 | 248.35% | 248.35% | 248.35% | 90.76% | 11.79% |
New Covenant Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Covenant Trust Company, 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 New Covenant Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2641827)