Raritan 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.
Securities to assets climbed 3.34 percentage points in Q2 2026, from 13.89% to 17.23%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Raritan State Bank is 177th of 323 on return on assets, 1.13% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Raritan State Bank sits 0.13 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.78% |
| Equity capital to assets | 11.35% |
| Tangible equity to tangible assets | 11.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.93% |
| Non-performing assets ratio | 3.80% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 31.54% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 18.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 10.20% |
| Net interest margin | 3.78% |
| Efficiency ratio | 57.76% |
| Yield on earning assets | 5.75% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.84% |
| Core deposits to total deposits | 88.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.08% |
| Securities to assets | 17.23% |
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 | 10.74% | 0.95% | 2.99% | 4.29% | -0.02% |
| Q4 2023 | 10.17% | 0.69% | 2.77% | 4.01% | 0.08% |
| Q1 2024 | 10.25% | 0.56% | 2.51% | 4.67% | -0.03% |
| Q2 2024 | 10.51% | 0.64% | 2.45% | 8.62% | 0.30% |
| Q3 2024 | 10.54% | 0.59% | 2.67% | 3.88% | 0.06% |
| Q4 2024 | 10.59% | 0.72% | 2.99% | 4.40% | 0.13% |
| Q1 2025 | 10.94% | 1.03% | 3.08% | 4.43% | 0.17% |
| Q2 2025 | 11.15% | 0.84% | 3.16% | 5.03% | 0.24% |
| Q3 2025 | 11.50% | 0.98% | 3.31% | 5.12% | 0.17% |
| Q4 2025 | 11.46% | 0.99% | 3.70% | 4.82% | 0.12% |
| Q1 2026 | 11.44% | 0.97% | 3.27% | 5.61% | 0.06% |
| Q2 2026 | 10.78% | 1.13% | 3.78% | 4.93% | 0.34% |
Raritan State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Raritan 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 Raritan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10438) · FFIEC NIC profile (RSSD 749943)