The State National Bank of Big Spring: 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 Securities to assets: 0.78 percentage points lower than in Q1 2026, at 74.47%. Within Texas, The State National Bank of Big Spring is 89th of 345 on return on assets, 1.83% as of Q2 2026, above the middle of the field. The State National Bank of Big Spring reported 1.83% on return on assets for Q2 2026, 0.57 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.19% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 2.42% |
| Allowance for credit losses to loans | 3.38% |
| Reserve coverage of non-performing loans | 314.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 18.71% |
| Net interest margin | 3.00% |
| Efficiency ratio | 33.38% |
| Yield on earning assets | 3.94% |
| Cost of funds | 0.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 17.05% |
| Core deposits to total deposits | 93.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.82% |
| Securities to assets | 74.47% |
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 | 10.99% | 1.31% | 2.43% | 0.00% | -0.02% |
| Q4 2023 | 10.95% | 1.44% | 2.46% | 0.00% | 0.00% |
| Q1 2024 | 11.14% | 1.41% | 2.40% | 0.00% | 0.09% |
| Q2 2024 | 11.78% | 1.50% | 2.57% | 0.00% | 0.00% |
| Q3 2024 | 12.06% | 1.33% | 2.41% | 0.00% | 0.01% |
| Q4 2024 | 10.23% | 1.44% | 2.48% | 0.00% | 0.00% |
| Q1 2025 | 10.35% | 1.36% | 2.54% | 0.00% | -0.00% |
| Q2 2025 | 10.74% | 1.50% | 2.68% | 0.00% | 0.01% |
| Q3 2025 | 10.79% | 0.83% | 2.67% | 1.32% | 0.00% |
| Q4 2025 | 10.57% | 1.92% | 2.92% | 1.32% | 0.02% |
| Q1 2026 | 11.03% | 1.76% | 2.97% | 1.12% | 0.00% |
| Q2 2026 | 11.19% | 1.83% | 3.00% | 1.07% | -0.07% |
The State National Bank of Big Spring vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State National Bank of Big Spring, 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 The State National Bank of Big Spring profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3103) · FFIEC NIC profile (RSSD 169354)