The State National Bank of Groom: 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: 27.30 percentage points higher than in Q1 2026, at 517.42%. On return on assets, The State National Bank of Groom is 28th from the bottom among 345 Texas banks, 0.42% (Q2 2026). The State National Bank of Groom's return on assets of 0.42% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.56 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.60% |
| Equity capital to assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 6.92% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 517.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 3.38% |
| Net interest margin | 4.27% |
| Efficiency ratio | 87.77% |
| Yield on earning assets | 6.75% |
| Cost of funds | 2.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.97% |
| Core deposits to total deposits | 98.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.47% |
| Securities to assets | 13.03% |
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 | 17.40% | 17.40% | 18.49% | 11.12% | 0.00% |
| Q4 2023 | 36.73% | 36.73% | 37.77% | 22.61% | -0.96% |
| Q1 2024 | 34.23% | 34.23% | 35.06% | 21.45% | -0.99% |
| Q2 2024 | 27.15% | 27.15% | 28.26% | 20.40% | -2.56% |
| Q3 2024 | 23.66% | 23.66% | 24.75% | 20.37% | -1.06% |
| Q4 2024 | 19.77% | 19.77% | 21.02% | 16.91% | -0.23% |
| Q1 2025 | 16.28% | 16.28% | 16.85% | 14.25% | -6.70% |
| Q2 2025 | 15.48% | 15.48% | 16.16% | 12.76% | 0.08% |
| Q3 2025 | 14.35% | 14.35% | 15.12% | 12.06% | -2.76% |
| Q4 2025 | 13.64% | 13.64% | 14.89% | 11.70% | -0.10% |
| Q1 2026 | — | — | — | 11.35% | 1.14% |
| Q2 2026 | — | — | — | 12.60% | 0.42% |
The State National Bank of Groom 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 Groom, 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 Groom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3237) · FFIEC NIC profile (RSSD 460556)