Robert Lee 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.
Reserve coverage of non-performing loans climbed 8.20 percentage points in Q2 2026, from 47.87% to 56.07%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Robert Lee State Bank is 304th of 345 on return on assets, 0.59% as of Q2 2026. Robert Lee State Bank reported 0.59% on return on assets for Q2 2026, 0.41 points below the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.09% |
| Equity capital to assets | 13.18% |
| Tangible equity to tangible assets | 13.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.09% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | -0.10% |
| Texas ratio | 5.24% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 56.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 4.80% |
| Net interest margin | 3.76% |
| Efficiency ratio | 78.24% |
| Yield on earning assets | 4.38% |
| Cost of funds | 0.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.34% |
| Core deposits to total deposits | 91.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.68% |
| Securities to assets | 53.69% |
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 | 12.79% | 0.38% | 3.57% | 2.16% | -0.20% |
| Q4 2023 | 13.45% | 0.10% | 3.36% | 2.00% | 0.47% |
| Q1 2024 | 12.17% | 0.52% | 3.36% | 0.43% | -0.03% |
| Q2 2024 | 12.66% | 0.90% | 3.80% | 1.43% | 0.64% |
| Q3 2024 | 14.10% | 0.57% | 3.54% | 1.46% | -0.05% |
| Q4 2024 | 14.14% | -0.97% | 2.50% | 0.72% | 0.08% |
| Q1 2025 | 12.96% | 0.37% | 3.50% | 0.72% | 0.08% |
| Q2 2025 | 13.12% | 0.81% | 3.75% | 1.82% | -0.10% |
| Q3 2025 | 14.20% | 0.46% | 3.69% | 3.08% | -0.03% |
| Q4 2025 | 14.03% | -0.22% | 3.51% | 2.29% | 2.92% |
| Q1 2026 | 12.83% | -0.01% | 3.29% | 2.11% | 1.17% |
| Q2 2026 | 14.09% | 0.59% | 3.76% | 2.09% | -0.10% |
Robert Lee State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Robert Lee 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 Robert Lee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15442) · FFIEC NIC profile (RSSD 803265)