Superior National 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 57.09 percentage points in Q2 2026, from 140.03% to 82.93%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Superior National Bank is 37th of 72 on return on assets, 1.24% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Superior National Bank sits 0.04 points lower, at 1.24% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.27% |
| Tier 1 risk-based capital ratio | 17.27% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 11.70% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 9.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 9.84% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 82.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 11.10% |
| Net interest margin | 3.86% |
| Efficiency ratio | 64.52% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.06% |
| Core deposits to total deposits | 91.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.58% |
| Securities to assets | 23.85% |
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 | 15.32% | 15.32% | 16.57% | 10.03% | 0.73% |
| Q4 2023 | 15.78% | 15.78% | 17.03% | 10.37% | 0.73% |
| Q1 2024 | 15.86% | 15.86% | 17.11% | 10.58% | 0.55% |
| Q2 2024 | 16.13% | 16.13% | 17.38% | 10.72% | 0.74% |
| Q3 2024 | 16.34% | 16.34% | 17.59% | 10.70% | 0.91% |
| Q4 2024 | 16.57% | 16.57% | 17.82% | 10.98% | 0.87% |
| Q1 2025 | 16.97% | 16.97% | 18.22% | 11.31% | 0.65% |
| Q2 2025 | 16.46% | 16.46% | 17.71% | 11.36% | 0.84% |
| Q3 2025 | 16.92% | 16.92% | 18.17% | 11.33% | 1.35% |
| Q4 2025 | 17.52% | 17.52% | 18.73% | 11.29% | 1.25% |
| Q1 2026 | 17.56% | 17.56% | 18.75% | 11.57% | 1.06% |
| Q2 2026 | 17.27% | 17.27% | 18.47% | 11.70% | 1.24% |
Superior National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior National 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 Superior National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5058) · FFIEC NIC profile (RSSD 245557)