Servbank, N.A.: 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: 164.79 percentage points lower than in Q1 2026, at 173.92%. On return on assets, Servbank, N.A. ranks 15th highest among the 323 banks headquartered in Illinois, at 2.28% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Servbank, N.A. reported 2.28% on return on assets in Q2 2026, 1.01 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.81% |
| Equity capital to assets | 13.00% |
| Tangible equity to tangible assets | 11.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.55% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 173.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.28% |
| Return on equity | 17.47% |
| Net interest margin | 5.03% |
| Efficiency ratio | 66.82% |
| Yield on earning assets | 6.38% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.67% |
| Core deposits to total deposits | 92.25% |
| Brokered deposits to total deposits | 1.33% |
| Deposits to assets | 71.71% |
| Securities to assets | 9.38% |
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 | 13.90% | 7.75% | 5.44% | 2.49% | -0.09% |
| Q4 2023 | 16.26% | 4.96% | 5.52% | 2.38% | -0.03% |
| Q1 2024 | 18.99% | 7.77% | 4.47% | 2.61% | -0.05% |
| Q2 2024 | 19.52% | 8.49% | 5.51% | 1.99% | -0.05% |
| Q3 2024 | 18.72% | 7.69% | 5.42% | 2.03% | -0.03% |
| Q4 2024 | 19.22% | 4.55% | 5.81% | 1.97% | -0.01% |
| Q1 2025 | 21.90% | 4.83% | 5.68% | 1.69% | -0.02% |
| Q2 2025 | 20.61% | 4.84% | 5.98% | 1.58% | 0.34% |
| Q3 2025 | 19.60% | 3.56% | 5.38% | 0.82% | -0.06% |
| Q4 2025 | 15.82% | 2.67% | 5.21% | 0.50% | -0.01% |
| Q1 2026 | 16.43% | 2.42% | 5.50% | 0.48% | -0.12% |
| Q2 2026 | 11.81% | 2.28% | 5.03% | 0.59% | 0.00% |
Servbank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Servbank, N.A., 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 Servbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 55130) · FFIEC NIC profile (RSSD 2140348)