Pilgrim 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 climbed 413.65 percentage points in Q2 2026, from 249.46% to 663.11%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Pilgrim Bank is 34th from the bottom among 345 Texas banks, 0.50% (Q2 2026). Pilgrim Bank's return on assets of 0.50% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.44% |
| Tier 1 risk-based capital ratio | 14.44% |
| Total risk-based capital ratio | 15.37% |
| Tier 1 leverage ratio | 10.21% |
| Equity capital to assets | 9.30% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.11% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 663.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 5.44% |
| Net interest margin | 2.92% |
| Efficiency ratio | 74.31% |
| Yield on earning assets | 4.93% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.47% |
| Core deposits to total deposits | 84.26% |
| Brokered deposits to total deposits | 4.78% |
| Deposits to assets | 80.95% |
| Securities to assets | 27.07% |
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 | 14.64% | 14.64% | 15.42% | 10.32% | 0.85% |
| Q4 2023 | 14.58% | 14.58% | 15.37% | 10.39% | 0.98% |
| Q1 2024 | 14.61% | 14.61% | 15.40% | 10.32% | 0.85% |
| Q2 2024 | 14.77% | 14.77% | 15.56% | 10.26% | 0.69% |
| Q3 2024 | 14.48% | 14.48% | 15.26% | 10.36% | 0.63% |
| Q4 2024 | 13.97% | 13.97% | 14.71% | 10.34% | 0.51% |
| Q1 2025 | 13.69% | 13.69% | 14.41% | 10.24% | 0.66% |
| Q2 2025 | 13.98% | 13.98% | 14.72% | 10.02% | 0.69% |
| Q3 2025 | 14.15% | 14.15% | 14.91% | 10.17% | 0.74% |
| Q4 2025 | 14.09% | 14.09% | 14.87% | 10.03% | 0.79% |
| Q1 2026 | 14.17% | 14.17% | 14.99% | 10.03% | 0.64% |
| Q2 2026 | 14.44% | 14.44% | 15.37% | 10.21% | 0.50% |
Pilgrim Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilgrim 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 Pilgrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16891) · FFIEC NIC profile (RSSD 911160)