Bank Safety Analysis
Is RG Bank, a Savings and Loan Association Safe?
RG Bank, a Savings and Loan Association meets regulatory minimums but is on the watch band for 2 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in noncurrent loans to total loans: 0.54 percentage points higher than in Q1 2026, at 1.89%. Within Colorado, RG Bank, a Savings and Loan Association is 30th of 63 on leverage ratio, 11.86% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 10.92% on leverage ratio. RG Bank, a Savings and Loan Association sits 0.94 points higher, at 11.86% (Q2 2026). From Q3 2023 to Q2 2026, RG Bank, a Savings and Loan Association's Texas ratio ranged between 7.11% (Q3 2023) and 20.60% (Q4 2024). Compared with Q2 2025, RG Bank, a Savings and Loan Association's noncurrent loans to total loans from 1.87% to 1.89%, Texas ratio from 14.01% to 12.87%, return on assets from 0.52% to 0.58% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 11.86% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 11.86% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.89% are elevated; merits closer attention.
Texas Ratio of 12.9% is well below the 100% historical failure threshold.
Efficiency ratio of 83.9% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 12.87% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.89% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 89.66% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 93.37% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 12.87% |
| Q1 2026 | 9.14% |
| Q4 2025 | 9.76% |
| Q3 2025 | 12.32% |
| Q2 2025 | 14.01% |
| Q1 2025 | 18.05% |
| Q4 2024 | 20.60% |
| Q3 2024 | 14.81% |
| Q2 2024 | 7.94% |
| Q1 2024 | 7.80% |
| Q4 2023 | 13.30% |
| Q3 2023 | 7.11% |
RG Bank, a Savings and Loan Association by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 1.89% | 12.87% | 0.58% |
| Mar 31, 2026 | — | 1.36% | 9.14% | 0.61% |
| Dec 31, 2025 | — | 1.41% | 9.76% | 0.72% |
| Sep 30, 2025 | — | 1.72% | 12.32% | 0.86% |
| Jun 30, 2025 | — | 1.87% | 14.01% | 0.52% |
| Mar 31, 2025 | — | 2.37% | 18.05% | 0.29% |
| Dec 31, 2024 | — | 2.73% | 20.60% | 0.18% |
| Sep 30, 2024 | — | 1.98% | 14.81% | 0.02% |
| Jun 30, 2024 | — | 1.07% | 7.94% | 0.20% |
| Mar 31, 2024 | — | 1.06% | 7.80% | 0.22% |
| Dec 31, 2023 | — | 1.79% | 13.30% | 0.01% |
| Sep 30, 2023 | — | 0.92% | 7.11% | 0.53% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is RG Bank, a Savings and Loan Association FDIC insured?
Yes. RG Bank, a Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #28315). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is RG Bank, a Savings and Loan Association well capitalized?
Yes. RG Bank, a Savings and Loan Association reports a Community Bank Leverage Ratio of 11.86%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is RG Bank, a Savings and Loan Association's nonperforming loan ratio?
As of the most recent call report, RG Bank, a Savings and Loan Association's nonperforming loan ratio is 1.89%. Nonperforming loans at 1.89% are elevated; merits closer attention.
What is RG Bank, a Savings and Loan Association's Texas Ratio?
RG Bank, a Savings and Loan Association's Texas Ratio is 12.87%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.