SNB Bank, 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: 13.00 percentage points lower than in Q1 2026, at 29.23%. On return on assets, SNB Bank, N.A. is 8th from the bottom among 169 Oklahoma banks, -0.45% (Q2 2026). SNB Bank, N.A.'s return on assets of -0.45% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.80% |
| Equity capital to assets | 11.38% |
| Tangible equity to tangible assets | 11.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.32% |
| Non-performing assets ratio | 6.38% |
| Net charge-off ratio | -0.51% |
| Texas ratio | 50.27% |
| Allowance for credit losses to loans | 1.85% |
| Reserve coverage of non-performing loans | 29.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.45% |
| Return on equity | -3.91% |
| Net interest margin | 3.16% |
| Efficiency ratio | 107.14% |
| Yield on earning assets | 5.28% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.70% |
| Core deposits to total deposits | 83.66% |
| Brokered deposits to total deposits | 7.65% |
| Deposits to assets | 86.02% |
| Securities to assets | 13.19% |
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 | 10.58% | 0.82% | 3.40% | 1.40% | 0.20% |
| Q4 2023 | 10.19% | -1.97% | 2.26% | 6.26% | 0.04% |
| Q1 2024 | 11.04% | 0.21% | 3.42% | 5.00% | 0.04% |
| Q2 2024 | 11.08% | 0.06% | 3.38% | 4.55% | 0.61% |
| Q3 2024 | 11.46% | 0.81% | 3.79% | 4.54% | 0.30% |
| Q4 2024 | 9.73% | -5.26% | 5.29% | 1.56% | 0.24% |
| Q1 2025 | 9.49% | -0.49% | 3.50% | 3.44% | -0.00% |
| Q2 2025 | 11.10% | 7.02% | 4.17% | 2.61% | 2.15% |
| Q3 2025 | 11.13% | -1.16% | 3.56% | 3.43% | 0.09% |
| Q4 2025 | 11.31% | -1.20% | 3.50% | 6.12% | 3.12% |
| Q1 2026 | 11.63% | 0.46% | 4.54% | 4.15% | 0.54% |
| Q2 2026 | 11.80% | -0.45% | 3.16% | 6.32% | -0.51% |
SNB Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SNB Bank, 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 SNB Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4196) · FFIEC NIC profile (RSSD 394156)