State Bank Financial: 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: 26.97 percentage points higher than in Q1 2026, at 809.36%. Within Wisconsin, State Bank Financial is 71st of 153 on return on assets, 1.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. State Bank Financial sits 0.12 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.73% |
| Tier 1 risk-based capital ratio | 13.73% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 9.94% |
| Equity capital to assets | 9.36% |
| Tangible equity to tangible assets | 8.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.78% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 809.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 15.50% |
| Net interest margin | 3.31% |
| Efficiency ratio | 57.04% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.18% |
| Core deposits to total deposits | 98.25% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 85.73% |
| Securities to assets | 23.58% |
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 | 13.83% | 13.83% | 14.84% | 10.08% | 0.97% |
| Q4 2023 | 14.22% | 14.22% | 15.25% | 9.83% | 1.48% |
| Q1 2024 | 14.14% | 14.14% | 15.17% | 9.59% | 0.87% |
| Q2 2024 | 14.26% | 14.26% | 15.17% | 10.16% | 1.05% |
| Q3 2024 | 14.02% | 14.02% | 14.87% | 10.18% | 1.09% |
| Q4 2024 | 13.51% | 13.51% | 14.30% | 9.80% | 1.09% |
| Q1 2025 | 13.60% | 13.60% | 14.42% | 9.45% | 0.80% |
| Q2 2025 | 14.04% | 14.04% | 14.91% | 9.65% | 1.14% |
| Q3 2025 | 13.65% | 13.65% | 14.47% | 9.73% | 1.23% |
| Q4 2025 | 13.80% | 13.80% | 14.57% | 9.87% | 1.58% |
| Q1 2026 | 14.19% | 14.19% | 15.12% | 9.74% | 1.06% |
| Q2 2026 | 13.73% | 13.73% | 14.65% | 9.94% | 1.38% |
State Bank Financial vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Financial, 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 Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10383) · FFIEC NIC profile (RSSD 2631172)