Promiseone 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: 5.93 percentage points higher than in Q1 2026, at 98.12%. Promiseone Bank ranks 64th of 121 Georgia banks on return on assets, in the lower half at 1.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Promiseone Bank sits 0.30 points higher, at 1.55% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.70% |
| Tier 1 risk-based capital ratio | 15.70% |
| Total risk-based capital ratio | 16.82% |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 8.58% |
| Tangible equity to tangible assets | 8.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.13% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 98.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 18.97% |
| Net interest margin | 3.25% |
| Efficiency ratio | 56.01% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.54% |
| Core deposits to total deposits | 72.76% |
| Brokered deposits to total deposits | 1.06% |
| Deposits to assets | 90.15% |
| Securities to assets | 6.48% |
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 | 17.08% | 17.08% | 18.19% | 10.87% | 1.74% |
| Q4 2023 | 17.24% | 17.24% | 18.35% | 10.98% | 1.58% |
| Q1 2024 | 17.17% | 17.17% | 18.28% | 11.01% | 1.50% |
| Q2 2024 | 16.99% | 16.99% | 18.09% | 10.90% | 1.49% |
| Q3 2024 | 17.05% | 17.05% | 18.14% | 11.13% | 1.53% |
| Q4 2024 | 16.26% | 16.26% | 17.35% | 9.64% | 1.30% |
| Q1 2025 | 15.92% | 15.92% | 17.00% | 10.10% | 1.35% |
| Q2 2025 | 15.92% | 15.92% | 17.06% | 10.26% | 1.38% |
| Q3 2025 | 15.99% | 15.99% | 17.09% | 10.16% | 1.46% |
| Q4 2025 | 15.58% | 15.58% | 16.74% | 9.89% | 1.61% |
| Q1 2026 | 15.73% | 15.73% | 16.83% | 9.96% | 1.43% |
| Q2 2026 | 15.70% | 15.70% | 16.82% | 10.12% | 1.55% |
Promiseone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Promiseone 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 Promiseone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58657) · FFIEC NIC profile (RSSD 3832127)