Studio Bank: 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.
Reserve coverage of non-performing loans dropped 358.39 percentage points in Q2 2026, from 471.30% to 112.91%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Studio Bank is 83rd of 109 on return on assets, 0.82% as of Q2 2026. Studio Bank reported 0.82% on return on assets for Q2 2026, 0.45 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.45% |
| Tier 1 risk-based capital ratio | 11.45% |
| Total risk-based capital ratio | 12.63% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 1.06% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 10.30% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 112.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 9.09% |
| Net interest margin | 3.11% |
| Efficiency ratio | 65.91% |
| Yield on earning assets | 5.59% |
| Cost of funds | 2.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.47% |
| Core deposits to total deposits | 68.68% |
| Brokered deposits to total deposits | 29.37% |
| Deposits to assets | 86.75% |
| Securities to assets | 14.72% |
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 | 12.28% | 12.28% | 13.41% | 10.38% | 0.50% |
| Q4 2023 | 11.68% | 11.68% | 12.91% | 9.75% | 0.38% |
| Q1 2024 | 11.41% | 11.41% | 12.61% | 9.62% | 0.71% |
| Q2 2024 | 11.48% | 11.48% | 12.64% | 9.77% | 0.89% |
| Q3 2024 | 11.87% | 11.87% | 13.10% | 9.70% | 0.78% |
| Q4 2024 | 11.89% | 11.89% | 13.10% | 9.65% | 0.96% |
| Q1 2025 | 11.84% | 11.84% | 13.05% | 9.80% | 0.75% |
| Q2 2025 | 11.59% | 11.59% | 12.77% | 9.70% | 0.81% |
| Q3 2025 | 12.50% | 12.50% | 13.67% | 10.76% | 0.74% |
| Q4 2025 | 11.95% | 11.95% | 13.10% | 9.84% | 0.94% |
| Q1 2026 | 11.48% | 11.48% | 12.65% | 9.82% | 0.58% |
| Q2 2026 | 11.45% | 11.45% | 12.63% | 9.49% | 0.82% |
Studio Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Studio Bank, 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 Studio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59112) · FFIEC NIC profile (RSSD 5205819)