Randall State 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 4.98 percentage points in Q2 2026, from 50.27% to 45.29%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Randall State Bank is 140th of 221 on return on assets, 1.20% as of Q2 2026, below the middle of the field. Randall State Bank reported 1.20% on return on assets for Q2 2026, 0.21 points above the 0.98% median for banks in the < $100M 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 | 10.73% |
| Equity capital to assets | 16.97% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.30% |
| Non-performing assets ratio | 1.86% |
| Net charge-off ratio | 1.57% |
| Texas ratio | 17.25% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 45.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 7.19% |
| Net interest margin | 5.93% |
| Efficiency ratio | 61.69% |
| Yield on earning assets | 7.46% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.60% |
| Core deposits to total deposits | 87.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.81% |
| Securities to assets | 2.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.44% | 1.21% | 4.66% | 1.92% | 0.00% |
| Q4 2023 | 10.52% | 1.27% | 4.86% | 1.88% | 0.00% |
| Q1 2024 | 9.63% | 1.20% | 4.75% | 1.65% | 0.00% |
| Q2 2024 | 10.09% | 1.29% | 4.91% | 1.60% | 0.00% |
| Q3 2024 | 10.22% | 1.35% | 5.37% | 1.43% | 0.00% |
| Q4 2024 | 10.29% | -0.09% | 5.56% | 0.68% | 2.50% |
| Q1 2025 | 10.25% | 1.22% | 5.63% | 0.65% | 0.00% |
| Q2 2025 | 10.43% | 0.94% | 5.55% | 2.26% | 0.11% |
| Q3 2025 | 11.26% | -1.54% | 0.78% | 2.17% | -0.10% |
| Q4 2025 | 10.34% | 0.89% | 5.69% | 2.28% | 0.41% |
| Q1 2026 | 10.34% | 1.80% | 5.84% | 2.51% | -0.02% |
| Q2 2026 | 10.73% | 1.20% | 5.93% | 2.30% | 1.57% |
Randall State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Randall State 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 Randall State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10969) · FFIEC NIC profile (RSSD 172251)