State Bank of Downs: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q2 2026 filing, State Bank of Downs reported 19 of the 23 line items on this page. It did not report reserve coverage of non-performing loans. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 12.64% in Q2 2026, down 0.56 percentage points from 13.20% in Q2 2025. Across the 12 quarters shown it ranged from 12.64% (Q2 2026) to 13.68% (Q3 2024).
What the vital signs page covers and where each line comes from.
The standout move of Q2 2026 was in Efficiency ratio: 36.27 percentage points higher than in Q1 2026, at 91.15%. State Bank of Downs's return on assets of 0.09% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 12.64% |
| Equity capital to assets | 12.99% |
| Tangible equity to tangible assets | 12.99% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedules RC, RC-N, RC-R and RI; Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | — |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.09% |
| Return on equity | 0.70% |
| Net interest margin | 3.38% |
| Efficiency ratio | 91.15% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.90% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.20% |
| Core deposits to total deposits | 93.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.04% |
| Securities to assets | 6.54% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 13.14% | 1.94% | 4.02% | 0.95% | 0.00% |
| Q4 2023 | 12.86% | 1.31% | 3.78% | 1.02% | 0.08% |
| Q1 2024 | 13.11% | 2.14% | 3.97% | 0.54% | 0.00% |
| Q2 2024 | 13.48% | 2.46% | 4.05% | 0.56% | -0.06% |
| Q3 2024 | 13.68% | 1.30% | 3.66% | 1.77% | 0.00% |
| Q4 2024 | 12.65% | 0.98% | 3.68% | 2.06% | 0.13% |
| Q1 2025 | 12.79% | 1.74% | 3.40% | 0.92% | -0.03% |
| Q2 2025 | 13.20% | 2.13% | 4.04% | 0.00% | 0.00% |
| Q3 2025 | 13.47% | 1.28% | 3.76% | 0.00% | 0.39% |
| Q4 2025 | 13.13% | 1.04% | 3.54% | 0.00% | 0.00% |
| Q1 2026 | 13.35% | 1.53% | 3.39% | 0.00% | 0.00% |
| Q2 2026 | 12.64% | 0.09% | 3.38% | 0.00% | 0.02% |
State Bank of Downs vital signs, quarter by quarter
Vital Signs since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q2 2026. How these pages are built. See the full State Bank of Downs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9659) · FFIEC NIC profile (RSSD 792453)