Tricentury 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 6.30 percentage points in Q2 2026, from 126.12% to 132.42%. It was the largest change from Q1 2026 among the key lines here. Tricentury Bank ranks 46th of 182 Kansas banks on return on assets, in the upper half at 1.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Tricentury Bank sits 0.48 points higher, at 1.73% (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 | 10.76% |
| Equity capital to assets | 10.71% |
| Tangible equity to tangible assets | 10.71% |
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 | 1.04% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 16.42% |
| Net interest margin | 4.02% |
| Efficiency ratio | 41.45% |
| Yield on earning assets | 6.67% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 132.42% |
| Core deposits to total deposits | 84.60% |
| Brokered deposits to total deposits | 4.72% |
| Deposits to assets | 63.18% |
| Securities to assets | 0.48% |
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 | 12.25% | 1.75% | 4.19% | 0.00% | 0.00% |
| Q4 2023 | 12.43% | 1.58% | 4.03% | 0.00% | 0.00% |
| Q1 2024 | 11.71% | 1.49% | 3.74% | 0.00% | 0.00% |
| Q2 2024 | 11.31% | 1.64% | 3.92% | 0.00% | 0.00% |
| Q3 2024 | 11.69% | 1.60% | 3.98% | 0.00% | 0.00% |
| Q4 2024 | 11.54% | 1.45% | 3.88% | 0.00% | 0.00% |
| Q1 2025 | 10.87% | 1.49% | 3.78% | 0.00% | 0.00% |
| Q2 2025 | 10.91% | 1.63% | 3.94% | 0.00% | 0.00% |
| Q3 2025 | 11.06% | 1.60% | 4.16% | 0.00% | 0.00% |
| Q4 2025 | 11.21% | 1.71% | 4.14% | 0.00% | 0.00% |
| Q1 2026 | 10.76% | 1.61% | 3.92% | 0.00% | 0.00% |
| Q2 2026 | 10.76% | 1.73% | 4.02% | 0.00% | 0.00% |
Tricentury Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tricentury 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 Tricentury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18109) · FFIEC NIC profile (RSSD 196752)