Trucommunity 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 8.70 percentage points in Q2 2026, from 119.97% to 128.67%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Trucommunity Bank is 27th of 60 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Trucommunity Bank sits 0.28 points higher, at 1.54% (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 | 11.06% |
| Equity capital to assets | 9.65% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.09% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 17.26% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 128.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 15.76% |
| Net interest margin | 4.38% |
| Efficiency ratio | 55.33% |
| Yield on earning assets | 5.51% |
| Cost of funds | 1.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.62% |
| Core deposits to total deposits | 94.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.47% |
| Securities to assets | 27.26% |
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 | 10.33% | 1.12% | 3.54% | 0.97% | -0.02% |
| Q4 2023 | 10.54% | 1.12% | 3.62% | 1.19% | 0.02% |
| Q1 2024 | 10.69% | 1.22% | 3.67% | 1.43% | -0.00% |
| Q2 2024 | 10.93% | 1.31% | 3.73% | 1.33% | -0.04% |
| Q3 2024 | 10.79% | 1.08% | 3.56% | 1.12% | -0.02% |
| Q4 2024 | 10.82% | 0.90% | 3.69% | 1.31% | 0.09% |
| Q1 2025 | 10.95% | 1.24% | 3.94% | 1.30% | -0.00% |
| Q2 2025 | 10.86% | 1.44% | 4.15% | 1.52% | 0.02% |
| Q3 2025 | 10.68% | 1.42% | 4.19% | 1.27% | 0.01% |
| Q4 2025 | 10.77% | 1.31% | 4.17% | 1.31% | 0.02% |
| Q1 2026 | 10.92% | 1.27% | 4.27% | 1.26% | 0.01% |
| Q2 2026 | 11.06% | 1.54% | 4.38% | 1.09% | -0.00% |
Trucommunity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trucommunity 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 Trucommunity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15306) · FFIEC NIC profile (RSSD 808653)