Sherwood Community 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: 280.69 percentage points higher than in Q1 2026, at 313.97%. Within Missouri, Sherwood Community Bank is 60th of 192 on return on assets, 1.79% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, Sherwood Community Bank reported 1.79% on return on assets in Q2 2026, 0.80 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.78% |
| Tier 1 risk-based capital ratio | 12.78% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 9.02% |
| Equity capital to assets | 8.01% |
| Tangible equity to tangible assets | 8.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 10.18% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 313.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 22.68% |
| Net interest margin | 5.37% |
| Efficiency ratio | 59.78% |
| Yield on earning assets | 6.61% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.01% |
| Core deposits to total deposits | 93.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.86% |
| Securities to assets | 20.68% |
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 | 13.42% | 13.42% | 14.38% | 8.02% | 0.76% |
| Q4 2023 | 13.52% | 13.52% | 14.52% | 7.58% | 0.20% |
| Q1 2024 | 11.29% | 11.29% | 12.11% | 7.41% | 0.38% |
| Q2 2024 | 11.52% | 11.52% | 12.35% | 7.59% | 0.27% |
| Q3 2024 | 12.19% | 12.19% | 13.07% | 7.78% | 0.55% |
| Q4 2024 | 13.41% | 13.41% | 14.41% | 8.03% | 0.26% |
| Q1 2025 | 13.24% | 13.24% | 14.22% | 8.31% | 0.47% |
| Q2 2025 | 13.42% | 13.42% | 14.38% | 8.51% | 0.80% |
| Q3 2025 | 13.26% | 13.26% | 14.18% | 8.69% | 0.83% |
| Q4 2025 | 12.75% | 12.75% | 13.63% | 8.59% | 1.46% |
| Q1 2026 | 12.06% | 12.06% | 12.91% | 8.26% | 1.27% |
| Q2 2026 | 12.78% | 12.78% | 13.62% | 9.02% | 1.79% |
Sherwood Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sherwood Community 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 Sherwood Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1612) · FFIEC NIC profile (RSSD 887854)