Perennial 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 119.64 percentage points in Q2 2026, from 239.56% to 119.92%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Perennial Bank is 171st of 221 on return on assets, 0.99% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Perennial Bank sits 0.27 points lower, at 0.99% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.66% |
| Tier 1 risk-based capital ratio | 23.66% |
| Total risk-based capital ratio | 24.91% |
| Tier 1 leverage ratio | 9.48% |
| Equity capital to assets | 8.03% |
| Tangible equity to tangible assets | 8.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 6.51% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 119.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 12.73% |
| Net interest margin | 3.03% |
| Efficiency ratio | 57.85% |
| Yield on earning assets | 4.17% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.28% |
| Core deposits to total deposits | 97.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.43% |
| Securities to assets | 38.62% |
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 | 22.15% | 22.15% | 23.18% | 8.77% | 0.82% |
| Q4 2023 | 23.22% | 23.22% | 24.39% | 8.99% | 0.72% |
| Q1 2024 | 23.36% | 23.36% | 24.60% | 9.27% | 0.88% |
| Q2 2024 | 23.08% | 23.08% | 24.33% | 9.63% | 0.78% |
| Q3 2024 | 23.10% | 23.10% | 24.35% | 9.74% | 0.86% |
| Q4 2024 | 22.93% | 22.93% | 24.13% | 9.72% | 0.92% |
| Q1 2025 | 23.11% | 23.11% | 24.36% | 9.89% | 0.94% |
| Q2 2025 | 22.42% | 22.42% | 23.67% | 9.83% | 0.98% |
| Q3 2025 | 22.67% | 22.67% | 23.92% | 9.58% | 1.05% |
| Q4 2025 | 22.96% | 22.96% | 24.21% | 9.36% | 0.89% |
| Q1 2026 | 24.18% | 24.18% | 25.43% | 9.41% | 0.97% |
| Q2 2026 | 23.66% | 23.66% | 24.91% | 9.48% | 0.99% |
Perennial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Perennial 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 Perennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1413) · FFIEC NIC profile (RSSD 344852)