Tristar 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 climbed 5.44 percentage points in Q2 2026, from 135.05% to 140.49%. It was the largest change from Q1 2026 among the key lines here. Tristar Bank ranks 81st of 109 Tennessee banks on return on assets, in the lower half at 0.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Tristar Bank sits 0.40 points lower, at 0.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 12.49% |
| Tier 1 leverage ratio | 9.85% |
| Equity capital to assets | 8.32% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 6.60% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 140.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 10.40% |
| Net interest margin | 3.69% |
| Efficiency ratio | 70.33% |
| Yield on earning assets | 5.92% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.36% |
| Core deposits to total deposits | 84.70% |
| Brokered deposits to total deposits | 7.51% |
| Deposits to assets | 82.87% |
| Securities to assets | 24.31% |
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 | 11.32% | 11.32% | 12.27% | 9.87% | 0.69% |
| Q4 2023 | 12.04% | 12.04% | 13.02% | 10.16% | 0.77% |
| Q1 2024 | 12.24% | 12.24% | 13.19% | 10.18% | 0.71% |
| Q2 2024 | 12.04% | 12.04% | 12.95% | 10.15% | 0.66% |
| Q3 2024 | 12.08% | 12.08% | 13.03% | 10.00% | 1.00% |
| Q4 2024 | 11.93% | 11.93% | 12.85% | 9.96% | 0.70% |
| Q1 2025 | 11.95% | 11.95% | 12.83% | 10.01% | 0.85% |
| Q2 2025 | 12.08% | 12.08% | 12.93% | 10.04% | 0.83% |
| Q3 2025 | 12.38% | 12.38% | 13.23% | 10.13% | 0.81% |
| Q4 2025 | 12.12% | 12.12% | 12.89% | 9.88% | 0.81% |
| Q1 2026 | 12.02% | 12.02% | 12.79% | 9.80% | 0.82% |
| Q2 2026 | 11.79% | 11.79% | 12.49% | 9.85% | 0.85% |
Tristar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tristar 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 Tristar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35417) · FFIEC NIC profile (RSSD 2871099)