Texas Champion 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.
Loan-to-deposit ratio climbed 4.12 percentage points in Q2 2026, from 101.26% to 105.39%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Champion Bank is 273rd of 345 on return on assets, 0.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Texas Champion Bank sits 0.30 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
| Equity capital to assets | 10.93% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | -0.12% |
| Texas ratio | 7.32% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 299.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 8.88% |
| Net interest margin | 4.52% |
| Efficiency ratio | 75.97% |
| Yield on earning assets | 6.34% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.39% |
| Core deposits to total deposits | 84.58% |
| Brokered deposits to total deposits | 0.98% |
| Deposits to assets | 75.40% |
| Securities to assets | 5.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.76% | 0.77% | 4.34% | 0.14% | 0.01% |
| Q4 2023 | 9.76% | 0.72% | 4.37% | 0.22% | 0.02% |
| Q1 2024 | 9.84% | 0.80% | 4.45% | 0.14% | 0.01% |
| Q2 2024 | 9.62% | 0.92% | 4.33% | 0.08% | -0.00% |
| Q3 2024 | 9.64% | 1.12% | 4.33% | 0.07% | -0.01% |
| Q4 2024 | 10.01% | 0.83% | 4.49% | 0.13% | -0.02% |
| Q1 2025 | 10.19% | 0.84% | 4.31% | 0.68% | 0.00% |
| Q2 2025 | 10.25% | 1.04% | 4.52% | 0.07% | 0.11% |
| Q3 2025 | 10.25% | 0.97% | 4.50% | 0.46% | -0.01% |
| Q4 2025 | 10.26% | 0.80% | 4.48% | 0.52% | 0.01% |
| Q1 2026 | 9.81% | 0.84% | 4.27% | 0.40% | 0.15% |
| Q2 2026 | 10.48% | 0.96% | 4.52% | 0.39% | -0.12% |
Texas Champion Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Champion 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 Texas Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11159) · FFIEC NIC profile (RSSD 579364)