Today's 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 dropped 51.07 percentage points in Q2 2026, from 216.44% to 165.37%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Today's Bank is 70th of 78 on return on assets, 0.77% 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. Today's Bank sits 0.49 points lower, at 0.77% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.81% |
| Tier 1 risk-based capital ratio | 13.81% |
| Total risk-based capital ratio | 15.06% |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 7.80% |
| Tangible equity to tangible assets | 7.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 7.81% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 165.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 10.13% |
| Net interest margin | 3.74% |
| Efficiency ratio | 79.26% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.81% |
| Core deposits to total deposits | 88.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.93% |
| Securities to assets | 19.71% |
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 | 12.96% | 12.96% | 14.22% | 9.03% | 0.64% |
| Q4 2023 | 12.52% | 12.52% | 13.77% | 9.01% | 0.57% |
| Q1 2024 | 12.02% | 12.02% | 13.27% | 9.00% | 0.35% |
| Q2 2024 | 12.69% | 12.69% | 13.95% | 9.12% | 0.51% |
| Q3 2024 | 12.62% | 12.62% | 13.87% | 9.07% | 0.52% |
| Q4 2024 | 12.78% | 12.78% | 14.04% | 8.85% | -1.17% |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 8.98% | 0.64% |
| Q2 2025 | 13.37% | 13.37% | 14.62% | 8.93% | 0.66% |
| Q3 2025 | 14.00% | 14.00% | 15.26% | 9.17% | 0.60% |
| Q4 2025 | 13.38% | 13.38% | 14.63% | 9.21% | 0.78% |
| Q1 2026 | 13.61% | 13.61% | 14.86% | 9.33% | 0.71% |
| Q2 2026 | 13.81% | 13.81% | 15.06% | 9.54% | 0.77% |
Today's Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Today's 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 Today's Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33470) · FFIEC NIC profile (RSSD 1879016)