The Riley State Bank of Riley Kansas: 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 Loan-to-deposit ratio: 1.82 percentage points higher than in Q1 2026, at 77.52%. Within Kansas, The Riley State Bank of Riley Kansas is 115th of 182 on return on assets, 1.32% 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. The Riley State Bank of Riley Kansas sits 0.07 points higher, at 1.32% (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 | 10.51% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 13.26% |
| Net interest margin | 3.73% |
| Efficiency ratio | 56.83% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.52% |
| Core deposits to total deposits | 79.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.33% |
| Securities to assets | 26.81% |
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% | 0.92% | 2.95% | 0.00% | 0.39% |
| Q4 2023 | 10.76% | 0.70% | 3.23% | 0.00% | 0.25% |
| Q1 2024 | 10.55% | 1.06% | 3.24% | 0.00% | 0.00% |
| Q2 2024 | 10.59% | 1.21% | 3.29% | 0.00% | 0.01% |
| Q3 2024 | 11.08% | 1.13% | 3.39% | 0.00% | 0.06% |
| Q4 2024 | 10.69% | 0.70% | 3.51% | 0.00% | 0.01% |
| Q1 2025 | 10.75% | 1.58% | 3.60% | 0.00% | 0.09% |
| Q2 2025 | 10.80% | 1.29% | 3.70% | 0.00% | 0.59% |
| Q3 2025 | 10.95% | 1.46% | 3.70% | 0.00% | -0.01% |
| Q4 2025 | 10.84% | 0.66% | 3.73% | 0.00% | 0.01% |
| Q1 2026 | 10.73% | 1.61% | 3.75% | 0.00% | -0.00% |
| Q2 2026 | 10.51% | 1.32% | 3.73% | 0.00% | 0.00% |
The Riley State Bank of Riley Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Riley State Bank of Riley Kansas, 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 The Riley State Bank of Riley Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16120) · FFIEC NIC profile (RSSD 532752)