Pavillion 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.79 percentage points higher than in Q1 2026, at 98.39%. Within Texas, Pavillion Bank is 202nd of 345 on return on assets, 1.32% as of Q2 2026, below the middle of the field. Pavillion Bank reported 1.32% on return on assets for Q2 2026, 0.34 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.69% |
| Tier 1 risk-based capital ratio | 20.69% |
| Total risk-based capital ratio | 21.94% |
| Tier 1 leverage ratio | 15.54% |
| Equity capital to assets | 15.34% |
| Tangible equity to tangible assets | 15.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 8.54% |
| Net interest margin | 6.04% |
| Efficiency ratio | 74.26% |
| Yield on earning assets | 7.02% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.39% |
| Core deposits to total deposits | 96.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.92% |
| Securities to assets | — |
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 | 21.40% | 21.40% | 22.65% | 14.93% | 2.43% |
| Q4 2023 | 20.50% | 20.50% | 21.75% | 15.80% | 2.95% |
| Q1 2024 | 20.92% | 20.92% | 22.17% | 15.96% | 2.26% |
| Q2 2024 | 22.70% | 22.70% | 23.95% | 16.25% | 1.86% |
| Q3 2024 | 23.45% | 23.45% | 24.70% | 16.10% | 1.69% |
| Q4 2024 | 22.15% | 22.15% | 23.40% | 16.15% | 1.44% |
| Q1 2025 | 21.29% | 21.29% | 22.54% | 16.32% | 1.75% |
| Q2 2025 | 22.52% | 22.52% | 23.77% | 16.18% | 1.70% |
| Q3 2025 | 21.33% | 21.33% | 22.58% | 16.05% | 1.48% |
| Q4 2025 | 21.91% | 21.91% | 23.16% | 15.71% | 2.31% |
| Q1 2026 | 21.42% | 21.42% | 22.67% | 15.82% | 1.19% |
| Q2 2026 | 20.69% | 20.69% | 21.94% | 15.54% | 1.32% |
Pavillion Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pavillion 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 Pavillion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24303) · FFIEC NIC profile (RSSD 500658)