Preferred 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 Reserve coverage of non-performing loans: 379.75 percentage points higher than in Q1 2026, at 457.14%. Preferred Bank ranks 127th of 191 Missouri banks on return on assets, in the lower half at 1.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Preferred Bank sits 0.06 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.71% |
| Tier 1 risk-based capital ratio | 17.71% |
| Total risk-based capital ratio | 18.62% |
| Tier 1 leverage ratio | 7.56% |
| Equity capital to assets | 4.43% |
| Tangible equity to tangible assets | 4.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.76% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 457.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 27.53% |
| Net interest margin | 3.59% |
| Efficiency ratio | 65.67% |
| Yield on earning assets | 4.44% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.49% |
| Core deposits to total deposits | 98.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.86% |
| Securities to assets | 41.56% |
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 | 21.64% | 21.64% | 22.51% | 7.47% | 0.99% |
| Q4 2023 | 21.23% | 21.23% | 22.19% | 7.58% | 0.72% |
| Q1 2024 | 21.09% | 21.09% | 22.05% | 7.65% | 0.94% |
| Q2 2024 | 21.02% | 21.02% | 21.97% | 7.68% | 0.80% |
| Q3 2024 | 18.35% | 18.35% | 19.18% | 7.59% | 1.00% |
| Q4 2024 | 20.43% | 20.43% | 21.38% | 7.65% | 0.70% |
| Q1 2025 | 20.99% | 20.99% | 21.98% | 7.55% | 0.88% |
| Q2 2025 | 18.69% | 18.69% | 19.60% | 7.52% | 1.03% |
| Q3 2025 | 18.47% | 18.47% | 19.38% | 8.11% | 1.39% |
| Q4 2025 | 17.99% | 17.99% | 18.91% | 8.07% | 0.98% |
| Q1 2026 | 18.09% | 18.09% | 19.03% | 7.66% | 1.19% |
| Q2 2026 | 17.71% | 17.71% | 18.62% | 7.56% | 1.20% |
Preferred Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10628) · FFIEC NIC profile (RSSD 252452)