The Seymour 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: 38.93 percentage points higher than in Q1 2026, at 249.46%. Within Missouri, The Seymour Bank is 142nd of 192 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The Seymour Bank reported 1.06% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 8.77% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 3.09% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 249.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 12.33% |
| Net interest margin | 4.00% |
| Efficiency ratio | 67.72% |
| Yield on earning assets | 5.55% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.95% |
| Core deposits to total deposits | 91.87% |
| Brokered deposits to total deposits | 3.36% |
| Deposits to assets | 86.43% |
| Securities to assets | 29.50% |
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 | 10.80% | 0.21% | 3.04% | 0.12% | 0.02% |
| Q4 2023 | 10.84% | 0.12% | 2.71% | 0.11% | 0.02% |
| Q1 2024 | 10.55% | 0.29% | 2.73% | 0.03% | 0.04% |
| Q2 2024 | 10.91% | 0.61% | 3.01% | 0.11% | 0.03% |
| Q3 2024 | 10.72% | 0.59% | 3.10% | 0.02% | 0.12% |
| Q4 2024 | 10.53% | 0.58% | 3.06% | 0.11% | 0.02% |
| Q1 2025 | 10.34% | 0.67% | 3.15% | 0.00% | 0.06% |
| Q2 2025 | 10.79% | 0.76% | 3.44% | 0.11% | -0.06% |
| Q3 2025 | 10.99% | 0.92% | 3.62% | 0.00% | 0.24% |
| Q4 2025 | 11.01% | 0.85% | 3.50% | 0.77% | -0.01% |
| Q1 2026 | 10.69% | 1.02% | 3.52% | 0.53% | 0.04% |
| Q2 2026 | 11.30% | 1.06% | 4.00% | 0.45% | 0.11% |
The Seymour Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seymour 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 Seymour Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15701) · FFIEC NIC profile (RSSD 428855)