State Bank of Taunton: 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: 10.36 percentage points lower than in Q1 2026, at 37.11%. Within Minnesota, State Bank of Taunton is 188th of 221 on return on assets, 0.81% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. State Bank of Taunton sits 0.17 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.24% |
| Tier 1 risk-based capital ratio | 19.24% |
| Total risk-based capital ratio | 20.44% |
| Tier 1 leverage ratio | 13.39% |
| Equity capital to assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.06% |
| Non-performing assets ratio | 2.31% |
| Net charge-off ratio | 3.30% |
| Texas ratio | 20.34% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 37.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 8.03% |
| Net interest margin | 4.08% |
| Efficiency ratio | 80.94% |
| Yield on earning assets | 4.86% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.43% |
| Core deposits to total deposits | 98.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.64% |
| Securities to assets | 24.72% |
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 | 16.32% | 16.32% | 17.52% | 13.03% | 0.34% |
| Q4 2023 | 16.28% | 16.28% | 17.50% | 13.24% | 0.65% |
| Q1 2024 | 16.31% | 16.31% | 17.36% | 12.74% | 0.32% |
| Q2 2024 | 16.37% | 16.37% | 17.44% | 13.18% | 0.11% |
| Q3 2024 | 18.18% | 18.18% | 19.37% | 13.06% | 0.63% |
| Q4 2024 | 15.67% | 15.67% | 16.68% | 13.27% | 0.47% |
| Q1 2025 | 16.07% | 16.07% | 16.57% | 13.31% | 0.72% |
| Q2 2025 | 15.12% | 15.12% | 15.59% | 13.27% | -0.15% |
| Q3 2025 | 17.30% | 17.30% | 17.85% | 14.02% | 1.21% |
| Q4 2025 | 18.57% | 18.57% | 19.82% | 13.39% | -2.30% |
| Q1 2026 | 18.95% | 18.95% | 20.21% | 13.44% | 0.65% |
| Q2 2026 | 19.24% | 19.24% | 20.44% | 13.39% | 0.81% |
State Bank of Taunton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Taunton, 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 Taunton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16906) · FFIEC NIC profile (RSSD 205458)