Bank Safety Analysis
Small Business Bank: final safety record
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Return on assets climbed 2.43 percentage points in Q1 2026, from -6.72% to -4.29%. It was the largest change from Q4 2025 among the key lines here. From Q2 2023 to Q1 2026, Small Business Bank's CET1 ratio ranged between 14.01% (Q1 2026) and 25.78% (Q2 2025) and its Texas ratio ranged between 1.77% (Q1 2024) and 45.01% (Q1 2026). Between Q1 2025 and Q1 2026, Small Business Bank's CET1 ratio fell from 23.82% to 14.01%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 2.15% to 4.81%, Texas ratio rose from 13.75% to 45.01% and return on assets rose from -8.23% to -4.29%.
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.
CET1 of 14.01% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 4.83% is below the 5% well-capitalized threshold.
Nonperforming loans at 4.81% are at a stress-band level above 3%.
Texas Ratio of 45.0% is well below the 100% historical failure threshold.
Efficiency ratio of 246.6% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q1 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.01% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 45.01% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 4.81% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 89.78% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 81.95% | 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 8 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 14.01% |
| Q4 2025 | 17.45% |
| Q3 2025 | 21.59% |
| Q2 2025 | 25.78% |
| Q1 2025 | 23.82% |
| Q2 2024 | 18.94% |
| Q1 2024 | 19.23% |
| Q4 2023 | 15.58% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2026 | 45.01% |
| Q4 2025 | 41.57% |
| Q3 2025 | 22.27% |
| Q2 2025 | 12.25% |
| Q1 2025 | 13.75% |
| Q4 2024 | 1.84% |
| Q3 2024 | 5.31% |
| Q2 2024 | 3.58% |
| Q1 2024 | 1.77% |
| Q4 2023 | 2.51% |
| Q3 2023 | 1.87% |
| Q2 2023 | 2.86% |
Small Business Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2026 | 14.01% | 4.81% | 45.01% | -4.29% |
| Dec 31, 2025 | 17.45% | 4.73% | 41.57% | -6.72% |
| Sep 30, 2025 | 21.59% | 3.46% | 22.27% | -7.90% |
| Jun 30, 2025 | 25.78% | 2.09% | 12.25% | -4.08% |
| Mar 31, 2025 | 23.82% | 2.15% | 13.75% | -8.23% |
| Dec 31, 2024 | — | 0.80% | 1.84% | -11.45% |
| Sep 30, 2024 | — | 0.92% | 5.31% | -4.55% |
| Jun 30, 2024 | 18.94% | 0.76% | 3.58% | -1.66% |
| Mar 31, 2024 | 19.23% | 0.69% | 1.77% | -1.45% |
| Dec 31, 2023 | 15.58% | 0.54% | 2.51% | -3.16% |
| Sep 30, 2023 | — | 1.49% | 1.87% | -3.57% |
| Jun 30, 2023 | — | 1.00% | 2.86% | -0.76% |
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 25744) · FFIEC NIC profile (RSSD 663656)
Explore: Full Small Business Bank profile · Other banks in KS · Metric glossary · How the call report works