The Seiling 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 36059.83 percentage points higher than in Q1 2026, at 36800.00%. The Seiling State Bank ranks 127th of 169 Oklahoma banks on return on assets, in the lower half at 1.00% (Q2 2026). The Seiling State Bank reported 1.00% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -1.21% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 36800.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.65% |
| Net interest margin | 4.01% |
| Efficiency ratio | 71.00% |
| Yield on earning assets | 6.28% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.57% |
| Core deposits to total deposits | 67.15% |
| Brokered deposits to total deposits | 8.57% |
| Deposits to assets | 89.80% |
| Securities to assets | 16.36% |
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 | 16.34% | 16.34% | 17.59% | 10.93% | 1.41% |
| Q4 2023 | 13.92% | 13.92% | 15.12% | 9.97% | -0.57% |
| Q1 2024 | 13.75% | 13.75% | 14.97% | 9.46% | 0.68% |
| Q2 2024 | 13.69% | 13.69% | 14.94% | 9.26% | 0.81% |
| Q3 2024 | 13.55% | 13.55% | 14.77% | 9.28% | 0.84% |
| Q4 2024 | 12.16% | 12.16% | 13.20% | 9.47% | 0.46% |
| Q1 2025 | 12.97% | 12.97% | 14.04% | 9.43% | 1.09% |
| Q2 2025 | 12.97% | 12.97% | 14.04% | 9.62% | 0.98% |
| Q3 2025 | 11.81% | 11.81% | 12.80% | 9.59% | 1.11% |
| Q4 2025 | 12.48% | 12.48% | 13.54% | 9.63% | -7.59% |
| Q1 2026 | 13.36% | 13.36% | 14.47% | 10.24% | 2.11% |
| Q2 2026 | 13.74% | 13.74% | 15.00% | 10.54% | 1.00% |
The Seiling State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seiling 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 The Seiling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4193) · FFIEC NIC profile (RSSD 313157)