Robertson Banking Company: 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: 775.91 percentage points lower than in Q1 2026, at 1006.79%. Among 93 Alabama banks, Robertson Banking Company sits 8th from the top on return on assets, 1.93% as of Q2 2026. Robertson Banking Company's return on assets of 1.93% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 16.11% |
| Tier 1 leverage ratio | 11.26% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 11.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.84% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 1006.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 18.11% |
| Net interest margin | 4.30% |
| Efficiency ratio | 55.58% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.77% |
| Core deposits to total deposits | 92.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.35% |
| Securities to assets | 21.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.32% | 12.32% | 13.56% | 9.91% | 1.72% |
| Q4 2023 | 12.26% | 12.26% | 13.51% | 9.40% | 1.22% |
| Q1 2024 | 12.72% | 12.72% | 13.98% | 9.66% | 1.87% |
| Q2 2024 | 13.13% | 13.13% | 14.38% | 10.08% | 1.86% |
| Q3 2024 | 13.53% | 13.53% | 14.78% | 10.30% | 1.81% |
| Q4 2024 | 12.96% | 12.96% | 14.21% | 9.67% | 1.26% |
| Q1 2025 | 13.85% | 13.85% | 15.11% | 10.06% | 2.08% |
| Q2 2025 | 14.62% | 14.62% | 15.87% | 10.38% | 1.80% |
| Q3 2025 | 14.96% | 14.96% | 16.21% | 10.85% | 2.15% |
| Q4 2025 | 14.07% | 14.07% | 15.33% | 10.32% | 1.70% |
| Q1 2026 | 14.44% | 14.44% | 15.69% | 10.88% | 2.14% |
| Q2 2026 | 14.86% | 14.86% | 16.11% | 11.26% | 1.93% |
Robertson Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Robertson Banking Company, 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 Robertson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 39) · FFIEC NIC profile (RSSD 430036)