The Turbotville National 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 dropped 7.04 percentage points in Q2 2026, from 80.19% to 73.15%. It was the largest change from Q1 2026 among the key lines here. Among 109 Pennsylvania banks, The Turbotville National Bank sits 5th from the top on return on assets, 2.20% as of Q2 2026. The Turbotville National Bank's return on assets of 2.20% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.95 points (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 | 16.49% |
| Equity capital to assets | 15.85% |
| Tangible equity to tangible assets | 15.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.10% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 4.99% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 73.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.20% |
| Return on equity | 14.16% |
| Net interest margin | 3.95% |
| Efficiency ratio | 35.55% |
| Yield on earning assets | 5.80% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.83% |
| Core deposits to total deposits | 85.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.98% |
| Securities to assets | 13.64% |
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 | 17.81% | 1.51% | 3.29% | 1.59% | 0.02% |
| Q4 2023 | 17.49% | 1.33% | 3.27% | 1.69% | 0.01% |
| Q1 2024 | 17.47% | 1.59% | 3.25% | 1.63% | 0.03% |
| Q2 2024 | 17.57% | 1.50% | 3.31% | 1.65% | 0.01% |
| Q3 2024 | 17.92% | 1.75% | 3.32% | 1.38% | 0.07% |
| Q4 2024 | 17.40% | 1.33% | 3.38% | 1.32% | 0.01% |
| Q1 2025 | 17.21% | 1.65% | 3.32% | 1.21% | 0.00% |
| Q2 2025 | 17.27% | 1.79% | 3.44% | 1.16% | -0.06% |
| Q3 2025 | 17.38% | 1.82% | 3.80% | 1.19% | 0.02% |
| Q4 2025 | 16.87% | 1.55% | 4.14% | 1.09% | 0.00% |
| Q1 2026 | 16.96% | 2.19% | 3.88% | 1.08% | -0.00% |
| Q2 2026 | 16.49% | 2.20% | 3.95% | 1.10% | 0.08% |
The Turbotville National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Turbotville National 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 The Turbotville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7789) · FFIEC NIC profile (RSSD 906410)