Outdoor 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.
Reserve coverage of non-performing loans dropped 21.51 percentage points in Q2 2026, from 85.34% to 63.83%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Outdoor Bank is 1st from the bottom among 182 Kansas banks, -0.95% (Q2 2026). Outdoor Bank's return on assets of -0.95% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.21 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.24% |
| Equity capital to assets | 9.73% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.93% |
| Non-performing assets ratio | 3.06% |
| Net charge-off ratio | 2.27% |
| Texas ratio | 27.89% |
| Allowance for credit losses to loans | 2.51% |
| Reserve coverage of non-performing loans | 63.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.95% |
| Return on equity | -9.70% |
| Net interest margin | 3.82% |
| Efficiency ratio | 79.58% |
| Yield on earning assets | 6.24% |
| Cost of funds | 2.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.05% |
| Core deposits to total deposits | 95.90% |
| Brokered deposits to total deposits | 15.81% |
| Deposits to assets | 88.18% |
| Securities to assets | 0.39% |
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 | 10.49% | 0.46% | 4.72% | 1.56% | 0.11% |
| Q4 2023 | 10.22% | 0.58% | 4.47% | 2.05% | 0.27% |
| Q1 2024 | 9.78% | 0.89% | 4.26% | 1.55% | 0.61% |
| Q2 2024 | 9.66% | 0.84% | 4.41% | 0.84% | -0.02% |
| Q3 2024 | 9.79% | 0.60% | 4.57% | 0.80% | 0.06% |
| Q4 2024 | 9.03% | -1.07% | 4.42% | 1.93% | 1.04% |
| Q1 2025 | 9.01% | -1.61% | 4.19% | 2.11% | 3.14% |
| Q2 2025 | 8.92% | 0.55% | 4.04% | 2.18% | -0.06% |
| Q3 2025 | 9.52% | 0.48% | 4.44% | 2.29% | 0.16% |
| Q4 2025 | 9.78% | 0.92% | 4.16% | 2.92% | -0.63% |
| Q1 2026 | 9.52% | 0.45% | 3.90% | 2.96% | -0.27% |
| Q2 2026 | 9.24% | -0.95% | 3.82% | 3.93% | 2.27% |
Outdoor Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Outdoor 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 Outdoor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17685) · FFIEC NIC profile (RSSD 43351)