Queensborough National Bank & Trust Company: 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 299.56 percentage points in Q2 2026, from 591.94% to 292.38%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Queensborough National Bank & Trust Company is 90th of 121 on return on assets, 1.11% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Queensborough National Bank & Trust Company sits 0.16 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.36% |
| Tier 1 risk-based capital ratio | 12.36% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 8.64% |
| Equity capital to assets | 7.88% |
| Tangible equity to tangible assets | 7.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.36% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 292.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 14.09% |
| Net interest margin | 3.90% |
| Efficiency ratio | 64.25% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.32% |
| Core deposits to total deposits | 95.21% |
| Brokered deposits to total deposits | 0.89% |
| Deposits to assets | 90.01% |
| Securities to assets | 26.42% |
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 | 13.67% | 13.67% | 14.51% | 9.43% | 0.78% |
| Q4 2023 | 13.49% | 13.49% | 14.35% | 9.11% | 0.84% |
| Q1 2024 | 13.71% | 13.71% | 14.59% | 8.77% | 0.69% |
| Q2 2024 | 13.95% | 13.95% | 14.86% | 9.10% | 0.93% |
| Q3 2024 | 14.00% | 14.00% | 14.92% | 9.32% | 0.76% |
| Q4 2024 | 13.52% | 13.52% | 14.43% | 9.15% | 0.95% |
| Q1 2025 | 13.78% | 13.78% | 14.71% | 9.22% | 0.99% |
| Q2 2025 | 13.59% | 13.59% | 14.49% | 9.52% | 1.04% |
| Q3 2025 | 13.88% | 13.88% | 14.82% | 9.71% | 1.14% |
| Q4 2025 | 13.05% | 13.05% | 14.01% | 9.13% | 1.05% |
| Q1 2026 | 13.18% | 13.18% | 14.16% | 9.12% | 1.08% |
| Q2 2026 | 12.36% | 12.36% | 13.35% | 8.64% | 1.11% |
Queensborough National Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Queensborough National Bank & Trust Company, 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 Queensborough National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2138) · FFIEC NIC profile (RSSD 960935)