Savings Bank of Mendocino County: 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.
Equity capital to assets rose 0.59 percentage points from Q1 2026 to Q2 2026, ending at 14.42% against 13.83%. It was the largest change among the key lines on this page. Within California, Savings Bank of Mendocino County is 50th of 114 on return on assets, 1.16% as of Q2 2026, above the middle of the field. Savings Bank of Mendocino County reported 1.16% on return on assets for Q2 2026, 0.12 points below the 1.28% median for banks in the $1B-10B 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 | 17.93% |
| Equity capital to assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.56% |
| Non-performing assets ratio | 1.49% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 9.51% |
| Allowance for credit losses to loans | 2.48% |
| Reserve coverage of non-performing loans | 96.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 8.47% |
| Net interest margin | 3.69% |
| Efficiency ratio | 58.00% |
| Yield on earning assets | 4.45% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.22% |
| Core deposits to total deposits | 93.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.79% |
| Securities to assets | 33.97% |
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 | 15.78% | 1.00% | 3.25% | 0.54% | -0.02% |
| Q4 2023 | 16.18% | 0.94% | 3.28% | 0.11% | -0.02% |
| Q1 2024 | 16.26% | 0.87% | 3.21% | 0.16% | -0.02% |
| Q2 2024 | 16.32% | 0.81% | 3.15% | 0.15% | -0.00% |
| Q3 2024 | 16.50% | 0.80% | 3.16% | 0.18% | -0.00% |
| Q4 2024 | 16.47% | 0.67% | 3.24% | 0.05% | 0.02% |
| Q1 2025 | 16.62% | 0.78% | 3.13% | 0.04% | -0.01% |
| Q2 2025 | 16.80% | 0.94% | 3.22% | 0.04% | 0.00% |
| Q3 2025 | 16.72% | 0.89% | 3.42% | 0.02% | 0.00% |
| Q4 2025 | 16.78% | 1.08% | 3.49% | 1.83% | 0.02% |
| Q1 2026 | 17.43% | 1.05% | 3.61% | 2.55% | 0.00% |
| Q2 2026 | 17.93% | 1.16% | 3.69% | 2.56% | -0.03% |
Savings Bank of Mendocino County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8011) · FFIEC NIC profile (RSSD 146663)