Redemption 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: 73.91 percentage points higher than in Q1 2026, at 134.13%. Redemption Bank has the 5th lowest return on assets of the 44 banks headquartered in Utah, at 0.56% as of Q2 2026. The median for banks in the < $100M asset tier is 0.98% on return on assets. Redemption Bank sits 0.42 points lower, at 0.56% (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 | 18.53% |
| Equity capital to assets | 18.05% |
| Tangible equity to tangible assets | 18.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.68% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 134.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 3.04% |
| Net interest margin | 5.95% |
| Efficiency ratio | 86.33% |
| Yield on earning assets | 7.61% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.34% |
| Core deposits to total deposits | 80.30% |
| Brokered deposits to total deposits | 14.26% |
| Deposits to assets | 81.14% |
| Securities to assets | 3.84% |
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 | 17.46% | 0.96% | 4.98% | 0.52% | -0.01% |
| Q4 2023 | 18.32% | 1.25% | 5.73% | 0.48% | 0.07% |
| Q1 2024 | 18.36% | 1.42% | 3.60% | 0.52% | 0.08% |
| Q2 2024 | 17.52% | 1.11% | 5.43% | 0.53% | 0.00% |
| Q3 2024 | 17.22% | 0.88% | 4.86% | 0.56% | 0.00% |
| Q4 2024 | 17.14% | 0.91% | 4.98% | 0.39% | 0.38% |
| Q1 2025 | 17.34% | 1.75% | 4.73% | 0.32% | -0.01% |
| Q2 2025 | 21.12% | -0.51% | 4.96% | 0.25% | 0.00% |
| Q3 2025 | 19.23% | 0.88% | 5.32% | 0.08% | -0.03% |
| Q4 2025 | 19.29% | -1.88% | 5.58% | 2.47% | 0.00% |
| Q1 2026 | 19.00% | -1.20% | 4.76% | 2.40% | -0.01% |
| Q2 2026 | 18.53% | 0.56% | 5.95% | 1.06% | 0.00% |
Redemption Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Redemption 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 Redemption Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21448) · FFIEC NIC profile (RSSD 617275)