Transact 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 Loan-to-deposit ratio: 2.31 percentage points higher than in Q1 2026, at 43.92%. On return on assets, Transact Bank, N.A. is 3rd from the bottom among 63 Colorado banks, -0.18% (Q2 2026). Transact Bank, N.A.'s return on assets of -0.18% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.68% |
| Tier 1 risk-based capital ratio | 40.68% |
| Total risk-based capital ratio | 40.68% |
| Tier 1 leverage ratio | 16.27% |
| Equity capital to assets | 16.49% |
| Tangible equity to tangible assets | 16.49% |
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 | 0.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.18% |
| Return on equity | -1.12% |
| Net interest margin | 2.33% |
| Efficiency ratio | 100.52% |
| Yield on earning assets | 4.75% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.92% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.80% |
| Securities to assets | 5.62% |
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 | 51.59% | 51.59% | 51.59% | 13.77% | -10.25% |
| Q4 2023 | 42.81% | 42.81% | 42.81% | 12.09% | -11.62% |
| Q1 2024 | 33.45% | 33.45% | 33.45% | 10.31% | -18.34% |
| Q2 2024 | 28.35% | 28.35% | 28.35% | 10.43% | -19.08% |
| Q3 2024 | 18.89% | 18.89% | 18.89% | 7.45% | -23.06% |
| Q4 2024 | 43.24% | 43.24% | 43.24% | 17.28% | 23.97% |
| Q1 2025 | 37.63% | 37.63% | 37.63% | 16.82% | -1.79% |
| Q2 2025 | 36.90% | 36.90% | 36.90% | 15.78% | -2.41% |
| Q3 2025 | 36.82% | 36.82% | 36.82% | 15.48% | -0.54% |
| Q4 2025 | 38.43% | 38.43% | 38.43% | 16.01% | 1.62% |
| Q1 2026 | 39.57% | 39.57% | 39.57% | 16.13% | 0.84% |
| Q2 2026 | 40.68% | 40.68% | 40.68% | 16.27% | -0.18% |
Transact Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Transact 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 Transact Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13986) · FFIEC NIC profile (RSSD 403254)