Surety 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 climbed 91.88 percentage points in Q2 2026, from 484.77% to 576.65%. It was the largest change from Q1 2026 among the key lines here. Among 79 Florida banks, Surety Bank sits 4th from the top on return on assets, 2.39% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Surety Bank reported 2.39% on return on assets in Q2 2026, 1.14 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.84% |
| Tier 1 risk-based capital ratio | 23.84% |
| Total risk-based capital ratio | 24.93% |
| Tier 1 leverage ratio | 13.24% |
| Equity capital to assets | 11.15% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.90% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 576.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.39% |
| Return on equity | 22.47% |
| Net interest margin | 3.69% |
| Efficiency ratio | 54.72% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.15% |
| Core deposits to total deposits | 93.48% |
| Brokered deposits to total deposits | 5.31% |
| Deposits to assets | 88.72% |
| Securities to assets | 14.99% |
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 | 24.90% | 24.90% | 25.99% | 11.86% | 2.94% |
| Q4 2023 | 23.72% | 23.72% | 24.78% | 12.12% | 3.22% |
| Q1 2024 | 23.88% | 23.88% | 24.93% | 11.76% | 2.75% |
| Q2 2024 | 25.62% | 25.62% | 26.77% | 11.96% | 2.85% |
| Q3 2024 | 24.45% | 24.45% | 25.53% | 12.48% | 2.32% |
| Q4 2024 | 27.88% | 27.88% | 29.10% | 12.66% | 2.48% |
| Q1 2025 | 25.93% | 25.93% | 27.05% | 13.28% | 2.09% |
| Q2 2025 | 25.41% | 25.41% | 26.48% | 13.37% | 2.53% |
| Q3 2025 | 27.05% | 27.05% | 28.16% | 13.57% | 2.83% |
| Q4 2025 | 25.46% | 25.46% | 26.48% | 13.95% | 2.53% |
| Q1 2026 | 23.65% | 23.65% | 24.65% | 12.93% | 1.62% |
| Q2 2026 | 23.84% | 23.84% | 24.93% | 13.24% | 2.39% |
Surety Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Surety 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 Surety Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33026) · FFIEC NIC profile (RSSD 374774)