Sturdy Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.55 percentage points higher than in Q1 2026, at 314.29%. Within New Jersey, Sturdy Savings Bank is 23rd of 49 on return on assets, 0.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Sturdy Savings Bank sits 0.47 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.31% |
| Tier 1 risk-based capital ratio | 16.31% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 9.68% |
| Equity capital to assets | 8.53% |
| Tangible equity to tangible assets | 8.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.12% |
| Allowance for credit losses to loans | 0.50% |
| Reserve coverage of non-performing loans | 314.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 9.77% |
| Net interest margin | 3.72% |
| Efficiency ratio | 70.56% |
| Yield on earning assets | 4.52% |
| Cost of funds | 0.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.34% |
| Core deposits to total deposits | 94.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.46% |
| Securities to assets | 31.94% |
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 | 14.67% | 14.67% | 15.19% | 7.52% | 0.22% |
| Q4 2023 | 14.74% | 14.74% | 15.26% | 7.66% | 0.16% |
| Q1 2024 | 15.03% | 15.03% | 15.55% | 8.07% | 0.51% |
| Q2 2024 | 14.80% | 14.80% | 15.33% | 8.48% | 0.04% |
| Q3 2024 | 15.06% | 15.06% | 15.59% | 8.39% | 0.36% |
| Q4 2024 | 15.10% | 15.10% | 15.66% | 8.59% | 0.28% |
| Q1 2025 | 15.07% | 15.07% | 15.63% | 8.91% | 0.34% |
| Q2 2025 | 15.22% | 15.22% | 15.79% | 8.98% | 0.41% |
| Q3 2025 | 16.06% | 16.06% | 16.55% | 8.95% | 0.75% |
| Q4 2025 | 16.14% | 16.14% | 16.63% | 9.04% | 0.55% |
| Q1 2026 | 16.11% | 16.11% | 16.61% | 9.55% | 0.66% |
| Q2 2026 | 16.31% | 16.31% | 16.80% | 9.68% | 0.81% |
Sturdy Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturdy Savings 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 Sturdy Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28788) · FFIEC NIC profile (RSSD 391977)