Paycom National Trust 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 Return on assets: 9.62 percentage points lower than in Q1 2026, at 36.07%. Against a median of 0.98% for banks in the < $100M asset tier, Paycom National Trust Bank reported 36.07% on return on assets in Q2 2026, 35.09 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 293.19% |
| Tier 1 risk-based capital ratio | 293.19% |
| Total risk-based capital ratio | 293.19% |
| Tier 1 leverage ratio | 111.90% |
| Equity capital to assets | 93.19% |
| Tangible equity to tangible assets | 93.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 36.07% |
| Return on equity | 33.59% |
| Net interest margin | 3.52% |
| Efficiency ratio | 29.02% |
| Yield on earning assets | 3.52% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | — |
Vital Signs trend
Last 8 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 2024 | 357.07% | 357.07% | 357.07% | 104.75% | — |
| Q4 2024 | 425.72% | 425.72% | 425.72% | 114.96% | 69.53% |
| Q1 2025 | 241.28% | 241.28% | 241.28% | 120.94% | 72.59% |
| Q2 2025 | 163.39% | 163.39% | 163.39% | 117.29% | 55.05% |
| Q3 2025 | 280.36% | 280.36% | 280.36% | 111.68% | 43.35% |
| Q4 2025 | 280.54% | 280.54% | 280.54% | 112.31% | 42.86% |
| Q1 2026 | 281.28% | 281.28% | 281.28% | 112.30% | 45.69% |
| Q2 2026 | 293.19% | 293.19% | 293.19% | 111.90% | 36.07% |
Paycom National Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Paycom National Trust 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 Paycom National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5972661)