State Bank of Easton: 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: 6.39 percentage points higher than in Q1 2026, at 84.19%. Within Minnesota, State Bank of Easton is 93rd of 221 on return on assets, 1.51% as of Q2 2026, above the middle of the field. State Bank of Easton's return on assets of 1.51% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.53 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.20% |
| Tier 1 risk-based capital ratio | 19.20% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 13.76% |
| Equity capital to assets | 13.77% |
| Tangible equity to tangible assets | 13.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.60% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | -0.74% |
| Texas ratio | 7.59% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 88.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 11.10% |
| Net interest margin | 4.05% |
| Efficiency ratio | 58.65% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.19% |
| Core deposits to total deposits | 80.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.14% |
| Securities to assets | 11.94% |
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 | 19.23% | 19.23% | 20.48% | 11.63% | 0.78% |
| Q4 2023 | 19.90% | 19.90% | 21.15% | 11.92% | 0.95% |
| Q1 2024 | 20.47% | 20.47% | 21.72% | 11.78% | 1.12% |
| Q2 2024 | 19.37% | 19.37% | 20.62% | 12.55% | 1.35% |
| Q3 2024 | 19.72% | 19.72% | 20.97% | 12.61% | 1.48% |
| Q4 2024 | 18.42% | 18.42% | 19.67% | 12.46% | 0.28% |
| Q1 2025 | — | — | — | 12.54% | 1.06% |
| Q2 2025 | 19.64% | 19.64% | 20.89% | 13.20% | 1.52% |
| Q3 2025 | 18.97% | 18.97% | 20.18% | 13.56% | 1.27% |
| Q4 2025 | 18.92% | 18.92% | 20.12% | 13.44% | 1.00% |
| Q1 2026 | 19.32% | 19.32% | 20.55% | 13.60% | 1.38% |
| Q2 2026 | 19.20% | 19.20% | 20.45% | 13.76% | 1.51% |
State Bank of Easton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Easton, 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 Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16561) · FFIEC NIC profile (RSSD 379050)