Susser 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: 100.53 percentage points higher than in Q1 2026, at 321.76%. Susser Bank ranks 276th of 345 Texas banks on return on assets, in the lower half at 0.90% (Q2 2026). Susser Bank reported 0.90% on return on assets for Q2 2026, 0.37 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.65% |
| Tier 1 risk-based capital ratio | 11.65% |
| Total risk-based capital ratio | 12.90% |
| Tier 1 leverage ratio | 10.10% |
| Equity capital to assets | 10.26% |
| Tangible equity to tangible assets | 9.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.02% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 321.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 8.32% |
| Net interest margin | 3.83% |
| Efficiency ratio | 61.07% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.24% |
| Core deposits to total deposits | 95.99% |
| Brokered deposits to total deposits | 6.44% |
| Deposits to assets | 89.03% |
| Securities to assets | 3.35% |
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 | 10.50% | 10.50% | 11.57% | 9.10% | 0.91% |
| Q4 2023 | 11.24% | 11.24% | 12.33% | 9.57% | 0.70% |
| Q1 2024 | 11.36% | 11.36% | 12.45% | 9.81% | 0.86% |
| Q2 2024 | 11.11% | 11.11% | 12.20% | 10.46% | 0.85% |
| Q3 2024 | 11.44% | 11.44% | 12.66% | 9.85% | 0.68% |
| Q4 2024 | 11.18% | 11.18% | 12.39% | 9.73% | 0.97% |
| Q1 2025 | 11.14% | 11.14% | 12.37% | 9.77% | 1.00% |
| Q2 2025 | 11.27% | 11.27% | 12.51% | 9.79% | 0.54% |
| Q3 2025 | 11.67% | 11.67% | 12.92% | 9.86% | 1.34% |
| Q4 2025 | 11.66% | 11.66% | 12.91% | 9.38% | 0.97% |
| Q1 2026 | 12.06% | 12.06% | 13.31% | 9.72% | 1.02% |
| Q2 2026 | 11.65% | 11.65% | 12.90% | 10.10% | 0.90% |
Susser Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Susser 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 Susser Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34885) · FFIEC NIC profile (RSSD 965789)