SmartBank: 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.
Reserve coverage of non-performing loans climbed 35.78 percentage points in Q2 2026, from 358.57% to 394.35%. It was the largest change from Q1 2026 among the key lines here. SmartBank ranks 47th of 109 Tennessee banks on return on assets, in the upper half at 1.21% (Q2 2026). SmartBank reported 1.21% on return on assets for Q2 2026, 0.06 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.30% |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 10.77% |
| Tangible equity to tangible assets | 9.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 1.89% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 394.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 11.07% |
| Net interest margin | 3.62% |
| Efficiency ratio | 57.23% |
| Yield on earning assets | 5.65% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.00% |
| Core deposits to total deposits | 88.69% |
| Brokered deposits to total deposits | 1.97% |
| Deposits to assets | 88.31% |
| Securities to assets | 11.13% |
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 | 11.15% | 11.15% | 11.87% | 9.00% | 0.26% |
| Q4 2023 | 11.26% | 11.26% | 12.02% | 9.18% | 0.56% |
| Q1 2024 | 11.23% | 11.23% | 12.00% | 9.07% | 0.85% |
| Q2 2024 | 11.02% | 11.02% | 11.79% | 9.11% | 0.74% |
| Q3 2024 | 10.92% | 10.92% | 11.69% | 9.17% | 0.82% |
| Q4 2024 | 10.51% | 10.51% | 11.29% | 8.94% | 0.83% |
| Q1 2025 | 10.51% | 10.51% | 11.35% | 8.77% | 0.92% |
| Q2 2025 | 10.41% | 10.41% | 11.25% | 8.89% | 0.94% |
| Q3 2025 | 11.56% | 11.56% | 12.37% | 9.59% | 1.10% |
| Q4 2025 | 11.51% | 11.51% | 12.32% | 9.71% | 1.07% |
| Q1 2026 | 11.47% | 11.47% | 12.41% | 9.88% | 1.06% |
| Q2 2026 | 11.38% | 11.38% | 12.30% | 9.86% | 1.21% |
SmartBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SmartBank, 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 SmartBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58463) · FFIEC NIC profile (RSSD 3532641)