New Era Bank: 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.
Loan-to-deposit ratio fell 0.52 percentage points from Q1 2026 to Q2 2026, ending at 65.59% against 66.11%. It was the largest change among the key lines on this page. On return on assets, New Era Bank ranks 11th highest among the 191 banks headquartered in Missouri, at 2.63% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, New Era Bank reported 2.63% on return on assets in Q2 2026, 1.37 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.98% |
| Equity capital to assets | 14.06% |
| Tangible equity to tangible assets | 13.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.61% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 11131.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.63% |
| Return on equity | 18.30% |
| Net interest margin | 4.22% |
| Efficiency ratio | 42.48% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.59% |
| Core deposits to total deposits | 93.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.56% |
| Securities to assets | 25.95% |
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 | 12.08% | 1.87% | 3.18% | 0.05% | 0.01% |
| Q4 2023 | 12.41% | 1.97% | 3.38% | 0.02% | 0.04% |
| Q1 2024 | 12.34% | 1.77% | 3.42% | 0.11% | 0.07% |
| Q2 2024 | 12.45% | 2.11% | 3.60% | 0.11% | 0.05% |
| Q3 2024 | 12.78% | 2.12% | 3.69% | 0.13% | 0.10% |
| Q4 2024 | 12.92% | 1.98% | 3.84% | 0.79% | 0.56% |
| Q1 2025 | 12.86% | 1.78% | 3.76% | 2.74% | 0.06% |
| Q2 2025 | 13.04% | 2.52% | 4.11% | 2.82% | -0.03% |
| Q3 2025 | 13.34% | 2.63% | 4.05% | 0.78% | 0.01% |
| Q4 2025 | 13.48% | 2.67% | 4.15% | 0.77% | 0.01% |
| Q1 2026 | 13.88% | 2.41% | 4.16% | 0.02% | 0.47% |
| Q2 2026 | 13.98% | 2.63% | 4.22% | 0.01% | 0.03% |
New Era Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Era Bank, 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 Era Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14546) · FFIEC NIC profile (RSSD 1014657)