TPNB 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 Loan-to-deposit ratio: 2.67 percentage points lower than in Q1 2026, at 70.58%. Within Missouri, TPNB Bank is 148th of 192 on return on assets, 1.02% as of Q2 2026, below the middle of the field. TPNB Bank reported 1.02% on return on assets for Q2 2026, 0.24 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.36% |
| Tier 1 risk-based capital ratio | 18.36% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 15.15% |
| Equity capital to assets | 13.64% |
| Tangible equity to tangible assets | 13.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 7.66% |
| Net interest margin | 3.52% |
| Efficiency ratio | 61.96% |
| Yield on earning assets | 5.10% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.58% |
| Core deposits to total deposits | 89.96% |
| Brokered deposits to total deposits | 1.59% |
| Deposits to assets | 84.08% |
| Securities to assets | 29.11% |
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 | 16.96% | 16.96% | 17.84% | 14.87% | 0.41% |
| Q4 2023 | 17.34% | 17.34% | 18.23% | 14.92% | 0.49% |
| Q1 2024 | 17.56% | 17.56% | 18.46% | 14.28% | 0.42% |
| Q2 2024 | 17.33% | 17.33% | 18.21% | 15.07% | 0.44% |
| Q3 2024 | 17.36% | 17.36% | 18.26% | 15.08% | 0.47% |
| Q4 2024 | 17.65% | 17.65% | 18.55% | 14.90% | 0.73% |
| Q1 2025 | 17.04% | 17.04% | 17.90% | 14.70% | 0.76% |
| Q2 2025 | 17.48% | 17.48% | 18.34% | 13.19% | 0.76% |
| Q3 2025 | 17.77% | 17.77% | 18.64% | 15.01% | 0.86% |
| Q4 2025 | 17.36% | 17.36% | 18.21% | 15.06% | 0.71% |
| Q1 2026 | 17.56% | 17.56% | 18.43% | 14.67% | 0.84% |
| Q2 2026 | 18.36% | 18.36% | 19.27% | 15.15% | 1.02% |
TPNB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TPNB 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 TPNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4556) · FFIEC NIC profile (RSSD 1007051)