Bank Safety Analysis
Senath State Bank: final safety record
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Return on assets climbed 0.64 percentage points in Q2 2026, from 1.94% to 2.59%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the < $100M asset tier is 12.62% on leverage ratio. Senath State Bank sits 2.82 points higher, at 15.45% (Q2 2026). From Q3 2023 to Q2 2026, Senath State Bank's Texas ratio ranged between 0.85% (Q4 2023) and 23.39% (Q2 2024). Between Q2 2025 and Q2 2026, Senath State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 4.26% to 1.46%, Texas ratio fell from 15.18% to 5.11% and return on assets rose from 2.31% to 2.59%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
Leverage ratio of 15.45% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 15.45% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.46% are within industry-normal range.
Texas Ratio of 5.1% is well below the 100% historical failure threshold.
Efficiency ratio of 46.7% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 5.11% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.46% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 68.25% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 8.78% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 2 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2025 | 32.53% |
| Q3 2024 | 28.39% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.11% |
| Q1 2026 | 4.90% |
| Q4 2025 | 1.96% |
| Q3 2025 | 13.00% |
| Q2 2025 | 15.18% |
| Q1 2025 | 4.98% |
| Q4 2024 | 4.42% |
| Q3 2024 | 2.23% |
| Q2 2024 | 23.39% |
| Q1 2024 | 21.66% |
| Q4 2023 | 0.85% |
| Q3 2023 | 2.17% |
Senath State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 1.46% | 5.11% | 2.59% |
| Mar 31, 2026 | — | 1.44% | 4.90% | 1.94% |
| Dec 31, 2025 | — | 0.60% | 1.96% | 1.99% |
| Sep 30, 2025 | 32.53% | 3.72% | 13.00% | 1.70% |
| Jun 30, 2025 | — | 4.26% | 15.18% | 2.31% |
| Mar 31, 2025 | — | 1.43% | 4.98% | 2.00% |
| Dec 31, 2024 | — | 1.22% | 4.42% | 2.06% |
| Sep 30, 2024 | 28.39% | 0.55% | 2.23% | 1.13% |
| Jun 30, 2024 | — | 5.97% | 23.39% | 2.38% |
| Mar 31, 2024 | — | 5.74% | 21.66% | 2.17% |
| Dec 31, 2023 | — | 0.23% | 0.85% | 1.79% |
| Sep 30, 2023 | — | 0.54% | 2.17% | 1.72% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 15101) · FFIEC NIC profile (RSSD 203052)
Explore: Full Senath State Bank profile · Other banks in MO · Metric glossary · How the call report works