Terrabank, N.A.: Vital Signs
BankRegReports is independent of Terrabank, N.A. and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Terrabank, N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 9.95% in Q3 2026, down 0.92 percentage points from 10.87% in Q3 2025. Across the 12 quarters shown it ranged from 9.95% (Q3 2026) to 11.15% (Q1 2025).
What the vital signs page covers and where each line comes from.
Securities to assets dropped 3.24 percentage points in Q3 2026, from 19.02% to 15.78%. It was the largest change from Q2 2026 among the key lines here. Within Florida, Terrabank, N.A. is 49th of 81 on return on assets, 0.99% as of Q3 2026. The median for banks in the $100M-1B asset tier is 1.27% on return on assets. Terrabank, N.A. sits 0.28 points lower, at 0.99% (Q3 2026).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 9.95% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 8.19% |
| Tangible equity to tangible assets | 8.19% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.07% |
| Nonperforming assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.54% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of nonperforming loans | 1775.37% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 12.03% |
| Net interest margin | 3.83% |
| Efficiency ratio | 66.19% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.14% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.98% |
| Core deposits to total deposits | 86.07% |
| Brokered deposits to total deposits | 3.39% |
| Deposits to assets | 88.90% |
| Securities to assets | 15.78% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.44% | 14.08% | 15.31% | 8.44% | 0.43% |
| Q1 2024 | 10.31% | 14.08% | 15.39% | 8.42% | 0.32% |
| Q2 2024 | 10.33% | 14.09% | 15.44% | 8.52% | 0.41% |
| Q3 2024 | 10.54% | 14.31% | 15.67% | 8.57% | 0.59% |
| Q4 2024 | 10.85% | 15.16% | 16.56% | 9.04% | 0.71% |
| Q1 2025 | 11.15% | 16.00% | 17.26% | 9.58% | 0.80% |
| Q2 2025 | 10.80% | 15.82% | 17.22% | 9.68% | 0.80% |
| Q3 2025 | 10.87% | 15.80% | 17.05% | 9.72% | 0.88% |
| Q4 2025 | 10.93% | 15.70% | 16.95% | 9.86% | 1.20% |
| Q1 2026 | 10.73% | 15.35% | 16.61% | 9.86% | 0.67% |
| Q2 2026 | 10.40% | 14.78% | 16.03% | 9.82% | 0.76% |
| Q3 2026 | 9.95% | 14.01% | 15.27% | 9.26% | 0.99% |
Terrabank, N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. How these pages are built. See the full Terrabank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26442) · FFIEC NIC profile (RSSD 238737)