RG Bank, a Savings and Loan Association: 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 25.03 percentage points in Q2 2026, from 88.88% to 63.85%. It was the largest change from Q1 2026 among the key lines here. RG Bank, a Savings and Loan Association ranks 52nd of 63 Colorado banks on return on assets, in the lower half at 0.58% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, RG Bank, a Savings and Loan Association reported 0.58% on return on assets in Q2 2026, 0.68 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.86% |
| Equity capital to assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.89% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.87% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 63.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.44% |
| Net interest margin | 4.01% |
| Efficiency ratio | 83.94% |
| Yield on earning assets | 5.09% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.66% |
| Core deposits to total deposits | 86.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.78% |
| Securities to assets | 11.62% |
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 | 11.00% | 0.53% | 3.66% | 0.92% | 0.01% |
| Q4 2023 | 10.91% | 0.01% | 3.54% | 1.79% | 0.00% |
| Q1 2024 | 11.12% | 0.22% | 3.50% | 1.06% | 0.00% |
| Q2 2024 | 11.22% | 0.20% | 3.55% | 1.07% | 0.00% |
| Q3 2024 | 11.19% | 0.02% | 3.46% | 1.98% | 0.00% |
| Q4 2024 | 10.88% | 0.18% | 3.56% | 2.73% | 0.00% |
| Q1 2025 | 10.95% | 0.29% | 3.68% | 2.37% | 0.02% |
| Q2 2025 | 11.23% | 0.52% | 3.84% | 1.87% | 0.00% |
| Q3 2025 | 11.36% | 0.86% | 4.20% | 1.72% | 0.00% |
| Q4 2025 | 11.65% | 0.72% | 4.26% | 1.41% | 0.00% |
| Q1 2026 | 11.84% | 0.61% | 4.00% | 1.36% | 0.03% |
| Q2 2026 | 11.86% | 0.58% | 4.01% | 1.89% | 0.00% |
RG Bank, a Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock RG Bank, a Savings and Loan Association, 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 RG Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28315) · FFIEC NIC profile (RSSD 256076)