Scottsdale Community 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 4.91 percentage points higher than in Q1 2026, at 17.09%. Scottsdale Community Bank ranks 9th of 12 Arizona banks on return on assets, in the lower half at 0.37% (Q2 2026). Scottsdale Community Bank's return on assets of 0.37% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.89 points (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 | 11.37% |
| Equity capital to assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
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 | 19.66% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 3.29% |
| Net interest margin | 3.22% |
| Efficiency ratio | 88.74% |
| Yield on earning assets | 6.10% |
| Cost of funds | 3.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.20% |
| Core deposits to total deposits | 71.72% |
| Brokered deposits to total deposits | 17.09% |
| Deposits to assets | 79.63% |
| Securities to assets | 11.33% |
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 | 35.24% | -3.96% | 4.17% | 0.00% | 0.00% |
| Q4 2023 | 31.82% | -2.34% | 3.85% | 0.00% | 0.00% |
| Q1 2024 | 27.53% | -2.55% | 3.50% | 0.00% | 0.00% |
| Q2 2024 | 25.12% | -2.26% | 3.45% | 0.00% | 0.00% |
| Q3 2024 | 21.98% | -1.06% | 3.65% | 0.00% | 0.00% |
| Q4 2024 | 20.20% | -0.89% | 3.40% | 0.00% | 0.00% |
| Q1 2025 | 18.06% | -0.77% | 3.30% | 0.00% | 0.00% |
| Q2 2025 | 15.83% | -0.52% | 3.32% | 0.00% | 0.00% |
| Q3 2025 | 14.11% | -0.49% | 3.22% | 0.00% | 0.00% |
| Q4 2025 | 13.22% | 0.04% | 3.24% | 0.00% | 0.00% |
| Q1 2026 | 12.15% | 0.21% | 3.34% | 0.00% | 0.00% |
| Q2 2026 | 11.37% | 0.37% | 3.22% | 0.00% | 0.00% |
Scottsdale Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsdale Community 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 Scottsdale Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59203) · FFIEC NIC profile (RSSD 5691319)