Verimore 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 37.11 percentage points in Q2 2026, from 414.15% to 451.26%. It was the largest change from Q1 2026 among the key lines here. Verimore Bank ranks 43rd of 191 Missouri banks on return on assets, in the upper half at 1.97% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Verimore Bank reported 1.97% on return on assets in Q2 2026, 0.72 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 11.16% |
| Tangible equity to tangible assets | 10.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.84% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 451.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 17.90% |
| Net interest margin | 4.43% |
| Efficiency ratio | 52.90% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.73% |
| Core deposits to total deposits | 92.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.97% |
| Securities to assets | 5.34% |
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 | 12.56% | 12.56% | 13.81% | 10.63% | 1.69% |
| Q4 2023 | 12.34% | 12.34% | 13.59% | 10.48% | 1.29% |
| Q1 2024 | 12.40% | 12.40% | 13.65% | 10.60% | 1.50% |
| Q2 2024 | 12.32% | 12.32% | 13.57% | 10.62% | 1.51% |
| Q3 2024 | 12.38% | 12.38% | 13.63% | 10.18% | 1.54% |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 10.32% | 1.64% |
| Q1 2025 | 12.31% | 12.31% | 13.56% | 10.39% | 1.75% |
| Q2 2025 | 12.47% | 12.47% | 13.72% | 10.44% | 1.79% |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 10.92% | 1.40% |
| Q4 2025 | 13.52% | 13.52% | 14.74% | 10.49% | 1.84% |
| Q1 2026 | 14.18% | 14.18% | 15.44% | 10.58% | 1.91% |
| Q2 2026 | 13.35% | 13.35% | 14.55% | 10.62% | 1.97% |
Verimore Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Verimore 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 Verimore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28930) · FFIEC NIC profile (RSSD 710176)