PSB 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 132.94 percentage points in Q2 2026, from 503.01% to 370.06%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, PSB Bank is 112th of 191 on return on assets, 1.31% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. PSB Bank sits 0.05 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.37% |
| Tier 1 risk-based capital ratio | 9.37% |
| Total risk-based capital ratio | 10.39% |
| Tier 1 leverage ratio | 8.12% |
| Equity capital to assets | 8.36% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 2.66% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 370.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 14.38% |
| Net interest margin | 4.30% |
| Efficiency ratio | 63.12% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.69% |
| Core deposits to total deposits | 94.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.23% |
| Securities to assets | 9.25% |
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 | 10.79% | 10.79% | 11.85% | 8.99% | 0.90% |
| Q4 2023 | 10.76% | 10.76% | 11.80% | 8.99% | 0.91% |
| Q1 2024 | 10.47% | 10.47% | 11.48% | 8.96% | 0.99% |
| Q2 2024 | 10.61% | 10.61% | 11.66% | 8.91% | 0.92% |
| Q3 2024 | 10.60% | 10.60% | 11.65% | 9.08% | 0.88% |
| Q4 2024 | 11.15% | 11.15% | 12.21% | 9.32% | 1.20% |
| Q1 2025 | 11.28% | 11.28% | 12.36% | 9.62% | 1.15% |
| Q2 2025 | 11.23% | 11.23% | 12.29% | 9.70% | 1.22% |
| Q3 2025 | 11.42% | 11.42% | 12.50% | 9.71% | 1.26% |
| Q4 2025 | 10.70% | 10.70% | 11.74% | 8.90% | 1.07% |
| Q1 2026 | 10.76% | 10.76% | 11.78% | 9.03% | 1.11% |
| Q2 2026 | 9.37% | 9.37% | 10.39% | 8.12% | 1.31% |
PSB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PSB 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 PSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15264) · FFIEC NIC profile (RSSD 242257)