State Bank of Bellingham: 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 Q3 2026 was in Reserve coverage of non-performing loans: 3210.09 percentage points lower than in Q2 2026, at 56.57%. State Bank of Bellingham has the 2nd lowest return on assets of the 221 banks headquartered in Minnesota, at -0.43% as of Q3 2026. Against a median of 0.98% for banks in the < $100M asset tier, State Bank of Bellingham reported -0.43% on return on assets in Q3 2026, 1.41 points lower; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 25.13% |
| Tier 1 risk-based capital ratio | 25.13% |
| Total risk-based capital ratio | 26.14% |
| Tier 1 leverage ratio | 15.31% |
| Equity capital to assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 2.30% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 16.44% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 56.57% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -0.43% |
| Return on equity | -3.90% |
| Net interest margin | 1.87% |
| Efficiency ratio | 110.81% |
| Yield on earning assets | 4.36% |
| Cost of funds | 2.77% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 57.83% |
| Core deposits to total deposits | 81.69% |
| Brokered deposits to total deposits | 5.30% |
| Deposits to assets | 83.85% |
| Securities to assets | 42.26% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 18.78% | 18.78% | 19.57% | 13.07% | 0.68% |
| Q1 2024 | 18.26% | 18.26% | 19.04% | 12.56% | 0.34% |
| Q2 2024 | 19.77% | 19.77% | 20.62% | 12.92% | -0.22% |
| Q3 2024 | 19.98% | 19.98% | 20.82% | 13.35% | 0.77% |
| Q4 2024 | 21.73% | 21.73% | 22.63% | 13.94% | 1.45% |
| Q1 2025 | 19.62% | 19.62% | 20.44% | 13.17% | 0.11% |
| Q2 2025 | 22.28% | 22.28% | 23.22% | 13.40% | 0.20% |
| Q3 2025 | 23.11% | 23.11% | 24.08% | 14.48% | 0.28% |
| Q4 2025 | 21.81% | 21.81% | 22.71% | 14.29% | 0.19% |
| Q1 2026 | 22.90% | 22.90% | 23.85% | 14.26% | 0.25% |
| Q2 2026 | 24.33% | 24.33% | 25.34% | 14.81% | 0.18% |
| Q3 2026 | 25.13% | 25.13% | 26.14% | 15.31% | -0.43% |
State Bank of Bellingham vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bellingham, 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 of Bellingham profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17062) · FFIEC NIC profile (RSSD 272058)