Quail Creek 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: 93.07 percentage points higher than in Q1 2026, at 216.93%. Quail Creek Bank ranks 63rd of 169 Oklahoma banks on return on assets, in the upper half at 1.75% (Q2 2026). Quail Creek Bank reported 1.75% on return on assets for Q2 2026, 0.50 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 8.68% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 7.32% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 216.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 19.56% |
| Net interest margin | 4.23% |
| Efficiency ratio | 56.96% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.90% |
| Core deposits to total deposits | 73.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.01% |
| Securities to assets | 16.89% |
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 | 13.60% | 13.60% | 14.80% | 9.56% | 2.04% |
| Q4 2023 | 14.01% | 14.01% | 15.19% | 9.90% | 1.89% |
| Q1 2024 | 13.62% | 13.62% | 14.83% | 9.80% | 1.85% |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 9.24% | 1.92% |
| Q3 2024 | 13.31% | 13.31% | 14.56% | 9.31% | 2.16% |
| Q4 2024 | 13.99% | 13.99% | 15.25% | 9.57% | 1.56% |
| Q1 2025 | 14.23% | 14.23% | 15.48% | 9.76% | 1.73% |
| Q2 2025 | 13.43% | 13.43% | 14.68% | 9.32% | 1.79% |
| Q3 2025 | 13.12% | 13.12% | 14.38% | 9.23% | 1.79% |
| Q4 2025 | 13.85% | 13.85% | 15.10% | 9.42% | 1.63% |
| Q1 2026 | 13.75% | 13.75% | 15.00% | 9.35% | 1.70% |
| Q2 2026 | — | — | — | 9.07% | 1.75% |
Quail Creek Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Quail Creek 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 Quail Creek Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21848) · FFIEC NIC profile (RSSD 507152)