Square Financial Services, Inc.: 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 Loan-to-deposit ratio: 19.32 percentage points higher than in Q1 2026, at 248.97%. As of Q2 2026, Square Financial Services, Inc. ranks first in Utah on return on assets among 44 banks, at 34.84%. Square Financial Services, Inc.'s return on assets of 34.84% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 33.57 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 95.99% |
| Tier 1 risk-based capital ratio | 95.99% |
| Total risk-based capital ratio | 97.31% |
| Tier 1 leverage ratio | 65.19% |
| Equity capital to assets | 65.80% |
| Tangible equity to tangible assets | 65.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 15.79% |
| Texas ratio | 0.64% |
| Allowance for credit losses to loans | 7.61% |
| Reserve coverage of non-performing loans | 1138.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 34.84% |
| Return on equity | 57.54% |
| Net interest margin | 41.06% |
| Efficiency ratio | 16.20% |
| Yield on earning assets | 41.42% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 248.97% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 27.19% |
| Securities to assets | 0.46% |
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 | 127.66% | 127.66% | 128.96% | 61.59% | 26.94% |
| Q4 2023 | 124.83% | 124.83% | 126.13% | 64.75% | 27.63% |
| Q1 2024 | 133.20% | 133.20% | 134.50% | 67.32% | 23.82% |
| Q2 2024 | 147.87% | 147.87% | 149.17% | 67.49% | 24.02% |
| Q3 2024 | 154.34% | 154.34% | 155.64% | 66.20% | 20.83% |
| Q4 2024 | 124.51% | 124.51% | 125.80% | 64.75% | 17.59% |
| Q1 2025 | 121.21% | 121.21% | 122.51% | 67.20% | 21.76% |
| Q2 2025 | 107.45% | 107.45% | 108.74% | 62.39% | 24.42% |
| Q3 2025 | 99.28% | 99.28% | 100.57% | 61.65% | 35.10% |
| Q4 2025 | 95.10% | 95.10% | 96.42% | 60.58% | 35.34% |
| Q1 2026 | 99.84% | 99.84% | 101.16% | 61.54% | 35.92% |
| Q2 2026 | 95.99% | 95.99% | 97.31% | 65.19% | 34.84% |
Square Financial Services, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Square Financial Services, Inc., 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 Square Financial Services, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59177) · FFIEC NIC profile (RSSD 5582846)