Titan Bank, N.A.: 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: 112.32 percentage points lower than in Q1 2026, at 288.21%. As of Q2 2026, Titan Bank, N.A. ranks first in Texas on return on assets among 345 banks, at 6.35%. Against a median of 1.25% for banks in the $100M-1B asset tier, Titan Bank, N.A. reported 6.35% on return on assets in Q2 2026, 5.09 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.06% |
| Tier 1 risk-based capital ratio | 34.06% |
| Total risk-based capital ratio | 35.31% |
| Tier 1 leverage ratio | 9.16% |
| Equity capital to assets | 12.65% |
| Tangible equity to tangible assets | 12.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 288.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 6.35% |
| Return on equity | 77.85% |
| Net interest margin | 4.15% |
| Efficiency ratio | 11.17% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.39% |
| Core deposits to total deposits | 99.73% |
| Brokered deposits to total deposits | 0.27% |
| Deposits to assets | 86.09% |
| Securities to assets | 12.94% |
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 | 21.75% | 21.75% | 23.01% | 10.01% | 2.90% |
| Q4 2023 | 23.36% | 23.36% | 24.61% | 11.17% | 3.59% |
| Q1 2024 | 23.94% | 23.94% | 25.19% | 9.93% | 4.57% |
| Q2 2024 | 22.90% | 22.90% | 24.15% | 10.43% | 3.12% |
| Q3 2024 | 23.11% | 23.11% | 24.36% | 10.74% | 3.18% |
| Q4 2024 | 23.81% | 23.81% | 25.06% | 9.72% | 3.46% |
| Q1 2025 | 24.62% | 24.62% | 25.86% | 9.92% | 2.74% |
| Q2 2025 | 22.97% | 22.97% | 24.20% | 9.32% | 3.23% |
| Q3 2025 | 55.46% | 55.46% | 56.72% | 21.04% | 52.06% |
| Q4 2025 | 18.58% | 18.58% | 19.79% | 9.64% | 11.45% |
| Q1 2026 | 29.00% | 29.00% | 30.26% | 11.67% | 11.63% |
| Q2 2026 | 34.06% | 34.06% | 35.31% | 9.16% | 6.35% |
Titan Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Titan Bank, N.A., 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 Titan Bank, N.A. profile, peer group comparison, or how this data updates.
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