Security National Trust Co.: 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 Securities to assets: 6.38 percentage points higher than in Q1 2026, at 65.67%. Security National Trust Co.'s return on assets of 39.86% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 38.88 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 | 87.19% |
| Equity capital to assets | 83.95% |
| Tangible equity to tangible assets | 83.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 39.86% |
| Return on equity | 48.40% |
| Net interest margin | 3.95% |
| Efficiency ratio | 65.65% |
| Yield on earning assets | 3.95% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 65.67% |
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 |
|---|---|---|---|
| Q3 2023 | 117.02% | 28.52% | 3.06% |
| Q4 2023 | 98.05% | 23.45% | 3.54% |
| Q1 2024 | 100.00% | 31.34% | 3.66% |
| Q2 2024 | 101.17% | 29.34% | 3.81% |
| Q3 2024 | 117.08% | 44.38% | 4.14% |
| Q4 2024 | 90.58% | 41.04% | 4.62% |
| Q1 2025 | 122.91% | 41.34% | 4.18% |
| Q2 2025 | 86.14% | 29.42% | 4.16% |
| Q3 2025 | 85.34% | 32.37% | 3.97% |
| Q4 2025 | 64.19% | 33.25% | 4.46% |
| Q1 2026 | 84.52% | 39.84% | 3.93% |
| Q2 2026 | 87.19% | 39.86% | 3.95% |
Security National Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security National Trust Co., 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 Security National Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2912750)