State 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.
Reserve coverage of non-performing loans climbed 22.13 percentage points in Q2 2026, from 380.13% to 402.26%. It was the largest change from Q1 2026 among the key lines here. State Bank ranks 16th of 24 Wyoming banks on return on assets, in the lower half at 1.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. State Bank sits 0.05 points lower, at 1.21% (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 | 9.54% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.56% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 402.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 12.88% |
| Net interest margin | 4.33% |
| Efficiency ratio | 64.55% |
| Yield on earning assets | 6.70% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.98% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 4.82% |
| Deposits to assets | 90.11% |
| Securities to assets | 10.48% |
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 | 16.56% | 0.30% | 4.16% | 1.00% | -0.04% |
| Q4 2023 | 15.73% | -1.45% | 4.37% | 0.00% | 0.00% |
| Q1 2024 | 14.50% | -0.01% | 4.22% | 0.00% | 0.00% |
| Q2 2024 | 13.51% | 0.16% | 4.10% | 0.00% | 0.00% |
| Q3 2024 | 12.18% | 0.14% | 4.19% | 0.00% | 0.03% |
| Q4 2024 | 11.45% | 0.34% | 4.13% | 0.00% | 0.00% |
| Q1 2025 | 10.97% | 0.60% | 4.32% | 0.00% | 0.00% |
| Q2 2025 | 10.28% | 0.92% | 4.36% | 0.00% | 0.00% |
| Q3 2025 | 9.87% | 1.53% | 4.68% | 0.00% | 0.00% |
| Q4 2025 | 9.70% | 0.49% | 4.57% | 0.00% | 0.00% |
| Q1 2026 | 9.60% | 0.96% | 4.32% | 0.34% | 0.00% |
| Q2 2026 | 9.54% | 1.21% | 4.33% | 0.34% | 0.00% |
State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34441) · FFIEC NIC profile (RSSD 2602828)