Ventura National Bank & Trust: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.92 percentage points higher than in Q1 2026, at 111.90%. On return on assets, Ventura National Bank & Trust is 2nd from the bottom among 182 Kansas banks, -0.33% (Q2 2026). Ventura National Bank & Trust's return on assets of -0.33% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.31 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 | 17.95% |
| Equity capital to assets | 20.84% |
| Tangible equity to tangible assets | 20.84% |
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 | 0.37% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.33% |
| Return on equity | -1.84% |
| Net interest margin | 3.39% |
| Efficiency ratio | 118.48% |
| Yield on earning assets | 6.20% |
| Cost of funds | 3.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.90% |
| Core deposits to total deposits | 98.28% |
| Brokered deposits to total deposits | 1.53% |
| Deposits to assets | 78.53% |
| Securities to assets | 0.18% |
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 | — | — | — | 10.03% | 0.26% |
| Q4 2023 | — | — | — | 9.71% | -0.83% |
| Q1 2024 | — | — | — | 9.47% | 0.29% |
| Q2 2024 | 17.73% | 17.73% | 18.98% | 9.74% | 0.22% |
| Q3 2024 | 17.73% | 17.73% | 18.98% | 9.43% | 0.55% |
| Q4 2024 | 41.25% | 41.25% | 42.38% | 23.26% | -1.81% |
| Q1 2025 | 43.14% | 43.14% | 44.33% | 25.93% | 0.06% |
| Q2 2025 | 34.83% | 34.83% | 35.99% | 26.74% | -0.98% |
| Q3 2025 | — | — | — | 18.32% | -0.38% |
| Q4 2025 | — | — | — | 15.28% | -0.63% |
| Q1 2026 | — | — | — | 19.60% | -0.67% |
| Q2 2026 | — | — | — | 17.95% | -0.33% |
Ventura National Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4683) · FFIEC NIC profile (RSSD 931458)