Valuebank Texas: 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 1.50 percentage points in Q2 2026, from 61.73% to 63.23%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Valuebank Texas is 190th of 345 on return on assets, 1.41% as of Q2 2026. Valuebank Texas reported 1.41% on return on assets for Q2 2026, 0.15 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.54% |
| Equity capital to assets | 12.19% |
| Tangible equity to tangible assets | 12.19% |
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 | 1.01% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 11.60% |
| Net interest margin | 4.84% |
| Efficiency ratio | 66.78% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.23% |
| Core deposits to total deposits | 96.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.62% |
| Securities to assets | 17.79% |
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 | 12.30% | 1.79% | 4.91% | 0.00% | -0.39% |
| Q4 2023 | 12.24% | 1.56% | 5.03% | 0.00% | 0.02% |
| Q1 2024 | 12.41% | 1.72% | 5.01% | 0.00% | 0.00% |
| Q2 2024 | 12.26% | 1.81% | 5.05% | 0.00% | 0.01% |
| Q3 2024 | 12.53% | 1.83% | 5.09% | 0.00% | 0.01% |
| Q4 2024 | 12.03% | 1.62% | 4.76% | 0.07% | 0.01% |
| Q1 2025 | 12.73% | 1.47% | 4.90% | 0.00% | 0.00% |
| Q2 2025 | 12.78% | 1.43% | 4.90% | 0.00% | 0.00% |
| Q3 2025 | 12.60% | 1.45% | 4.86% | 0.00% | 0.00% |
| Q4 2025 | 12.04% | 1.91% | 5.13% | 0.00% | 0.00% |
| Q1 2026 | 12.63% | 1.18% | 4.64% | 0.00% | 0.00% |
| Q2 2026 | 12.54% | 1.41% | 4.84% | 0.00% | 0.00% |
Valuebank Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valuebank Texas, 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 Valuebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19700) · FFIEC NIC profile (RSSD 964157)