R 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 climbed 2.00 percentage points in Q2 2026, from 68.35% to 70.35%. It was the largest change from Q1 2026 among the key lines here. Within Texas, R Bank is 284th of 345 on return on assets, 0.83% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. R Bank sits 0.45 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.04% |
| Tier 1 risk-based capital ratio | 12.04% |
| Total risk-based capital ratio | 13.17% |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 9.00% |
| Tangible equity to tangible assets | 8.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.21% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.94% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 70.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 8.88% |
| Net interest margin | 4.05% |
| Efficiency ratio | 73.24% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.20% |
| Core deposits to total deposits | 84.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.71% |
| Securities to assets | 5.56% |
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 | 10.89% | 10.89% | 12.14% | 9.35% | 0.40% |
| Q4 2023 | 10.82% | 10.82% | 12.02% | 9.18% | 0.78% |
| Q1 2024 | 10.94% | 10.94% | 12.12% | 8.90% | 0.27% |
| Q2 2024 | 10.79% | 10.79% | 11.95% | 8.83% | -0.49% |
| Q3 2024 | 11.41% | 11.41% | 12.60% | 8.89% | 0.18% |
| Q4 2024 | 11.56% | 11.56% | 12.76% | 9.00% | -0.20% |
| Q1 2025 | 11.92% | 11.92% | 13.12% | 9.16% | 0.52% |
| Q2 2025 | 11.87% | 11.87% | 13.03% | 9.41% | 0.91% |
| Q3 2025 | 12.45% | 12.45% | 13.64% | 9.28% | 0.59% |
| Q4 2025 | 12.27% | 12.27% | 13.36% | 9.09% | 0.64% |
| Q1 2026 | 13.01% | 13.01% | 14.15% | 9.32% | 0.63% |
| Q2 2026 | 12.04% | 12.04% | 13.17% | 9.01% | 0.83% |
R Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock R 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 R Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58935) · FFIEC NIC profile (RSSD 3821037)