Prinsbank: 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.
Return on assets climbed 2.80 percentage points in Q2 2026, from 1.61% to 4.41%. It was the largest change from Q1 2026 among the key lines here. Prinsbank has the highest return on assets of the 221 banks headquartered in Minnesota, 4.41% as of Q2 2026. Prinsbank's return on assets of 4.41% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 3.15 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.59% |
| Tier 1 risk-based capital ratio | 17.59% |
| Total risk-based capital ratio | 18.89% |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 12.23% |
| Tangible equity to tangible assets | 11.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.74% |
| Texas ratio | 1.21% |
| Allowance for credit losses to loans | 5.50% |
| Reserve coverage of non-performing loans | 1997.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.41% |
| Return on equity | 36.63% |
| Net interest margin | 4.16% |
| Efficiency ratio | 58.75% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.98% |
| Core deposits to total deposits | 81.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.27% |
| Securities to assets | 11.97% |
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 | 20.53% | 20.53% | 21.85% | 16.02% | 2.47% |
| Q4 2023 | 20.51% | 20.51% | 21.83% | 15.97% | 1.54% |
| Q1 2024 | 20.80% | 20.80% | 22.13% | 15.87% | 1.69% |
| Q2 2024 | 21.58% | 21.58% | 22.91% | 16.21% | 2.23% |
| Q3 2024 | 21.07% | 21.07% | 22.40% | 15.72% | 2.36% |
| Q4 2024 | 22.45% | 22.45% | 23.78% | 16.13% | 2.04% |
| Q1 2025 | 22.69% | 22.69% | 24.03% | 15.03% | 2.09% |
| Q2 2025 | 23.10% | 23.10% | 24.44% | 15.29% | 1.79% |
| Q3 2025 | 15.94% | 15.94% | 17.28% | 11.06% | 2.22% |
| Q4 2025 | 16.02% | 16.02% | 17.35% | 11.89% | 1.65% |
| Q1 2026 | 16.69% | 16.69% | 18.01% | 10.76% | 1.61% |
| Q2 2026 | 17.59% | 17.59% | 18.89% | 11.99% | 4.41% |
Prinsbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prinsbank, 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 Prinsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10191) · FFIEC NIC profile (RSSD 787459)