Sentry 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 Loan-to-deposit ratio: 3.32 percentage points lower than in Q1 2026, at 84.87%. Sentry Bank ranks 112th of 221 Minnesota banks on return on assets, in the lower half at 1.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Sentry Bank sits 0.08 points higher, at 1.34% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 12.25% |
| Tier 1 leverage ratio | 8.66% |
| Equity capital to assets | 8.89% |
| Tangible equity to tangible assets | 7.32% |
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 | 0.00% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 14.66% |
| Net interest margin | 4.02% |
| Efficiency ratio | 51.14% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.87% |
| Core deposits to total deposits | 91.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 15.21% |
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 | — | — | — | 8.85% | 0.70% |
| Q4 2023 | — | — | — | 9.05% | 0.93% |
| Q1 2024 | — | — | — | 8.54% | 0.90% |
| Q2 2024 | — | — | — | 8.67% | 0.89% |
| Q3 2024 | — | — | — | 9.11% | 1.23% |
| Q4 2024 | — | — | — | 9.42% | 1.14% |
| Q1 2025 | — | — | — | 9.03% | 1.01% |
| Q2 2025 | — | — | — | 9.13% | 1.26% |
| Q3 2025 | — | — | — | 9.00% | 1.23% |
| Q4 2025 | — | — | — | 8.98% | 1.35% |
| Q1 2026 | 11.17% | 11.17% | 12.42% | 8.65% | 1.19% |
| Q2 2026 | 11.00% | 11.00% | 12.25% | 8.66% | 1.34% |
Sentry Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sentry 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 Sentry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8546) · FFIEC NIC profile (RSSD 746157)