North American Banking Company: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
North American Banking Company reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 15.74% in Q3 2026, up 1.43 percentage points from 14.32% in Q3 2025. Across the 12 quarters shown it ranged from 12.98% (Q4 2024) to 15.74% (Q3 2026).
The standout move of Q3 2026 was in Deposits to assets: 6.33 percentage points higher than in Q2 2026, at 80.01%. On return on assets, North American Banking Company ranks 8th highest among the 221 banks headquartered in Minnesota, at 2.76% (Q3 2026). North American Banking Company's return on assets of 2.76% is well above the 1.30% median for banks in the $1B-10B asset tier, a gap of 1.46 points (Q3 2026).
Capital adequacy
Largest change in this table: total risk-based capital ratio, up 1.16 points to 16.83% in Q3 2026 after 15.67% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 15.74% |
| Tier 1 risk-based capital ratio | 15.74% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 6.35% |
| Tangible equity to tangible assets | 6.35% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Reserve coverage of nonperforming loans changed the most here, up 3.17 points to 238.43% in Q3 2026 from 235.26% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.52% |
| Nonperforming assets ratio | 0.31% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 4.45% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of nonperforming loans | 238.43% |
Earnings
Return on equity changed the most here, up 10.01 points to 45.63% in Q3 2026 from 35.62% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.76% |
| Return on equity | 45.63% |
| Net interest margin | 2.93% |
| Efficiency ratio | 45.64% |
| Yield on earning assets | 4.64% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 68.70% |
| Core deposits to total deposits | 88.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.01% |
| Securities to assets | 32.00% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 13.02% | 13.02% | 14.14% | 8.31% | 0.22% |
| Q1 2024 | 13.21% | 13.21% | 14.34% | 8.37% | 0.39% |
| Q2 2024 | 13.64% | 13.64% | 14.75% | 8.50% | 0.47% |
| Q3 2024 | 13.19% | 13.19% | 14.25% | 8.71% | 0.82% |
| Q4 2024 | 12.98% | 12.98% | 13.98% | 8.40% | 1.33% |
| Q1 2025 | 13.47% | 13.47% | 14.54% | 8.49% | 0.93% |
| Q2 2025 | 13.73% | 13.73% | 14.82% | 8.79% | 1.23% |
| Q3 2025 | 14.32% | 14.32% | 15.44% | 8.65% | 1.71% |
| Q4 2025 | 14.25% | 14.25% | 15.24% | 8.57% | 1.94% |
| Q1 2026 | 14.42% | 14.42% | 15.47% | 8.47% | 1.79% |
| Q2 2026 | 14.63% | 14.63% | 15.67% | 8.91% | 2.26% |
| Q3 2026 | 15.74% | 15.74% | 16.83% | 9.25% | 2.76% |
North American Banking Company vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full North American Banking Company profile or its peer group comparison.
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