NexBank: 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: 7.23 percentage points lower than in Q1 2026, at 28.18%. NexBank ranks 283rd of 345 Texas banks on return on assets, in the lower half at 0.84% (Q2 2026). NexBank reported 0.84% on return on assets for Q2 2026, 0.44 points below the 1.29% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.92% |
| Tier 1 risk-based capital ratio | 14.92% |
| Total risk-based capital ratio | 15.39% |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 8.43% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.47% |
| Non-performing assets ratio | 1.26% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 14.48% |
| Allowance for credit losses to loans | 0.41% |
| Reserve coverage of non-performing loans | 28.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 9.69% |
| Net interest margin | 2.42% |
| Efficiency ratio | 53.05% |
| Yield on earning assets | 4.97% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.52% |
| Core deposits to total deposits | 93.40% |
| Brokered deposits to total deposits | 5.62% |
| Deposits to assets | 78.03% |
| Securities to assets | 17.48% |
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 | 12.67% | 12.67% | 13.17% | 8.05% | 0.80% |
| Q4 2023 | 13.15% | 13.15% | 13.66% | 8.13% | 0.48% |
| Q1 2024 | 13.35% | 13.35% | 13.88% | 8.12% | 0.97% |
| Q2 2024 | 13.70% | 13.70% | 14.15% | 8.59% | 1.13% |
| Q3 2024 | 14.68% | 14.68% | 15.09% | 9.07% | 0.67% |
| Q4 2024 | 14.93% | 14.93% | 15.33% | 9.80% | 0.53% |
| Q1 2025 | 15.40% | 15.40% | 15.81% | 9.80% | 1.31% |
| Q2 2025 | 15.28% | 15.28% | 15.70% | 9.83% | 1.34% |
| Q3 2025 | 15.41% | 15.41% | 15.88% | 9.56% | 1.47% |
| Q4 2025 | 14.62% | 14.62% | 15.10% | 9.27% | 0.69% |
| Q1 2026 | 15.17% | 15.17% | 15.67% | 9.29% | 1.32% |
| Q2 2026 | 14.92% | 14.92% | 15.39% | 9.07% | 0.84% |
NexBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock NexBank, 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 NexBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29209) · FFIEC NIC profile (RSSD 652874)