Vintage Bank Kansas: 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 Reserve coverage of non-performing loans: 25.96 percentage points lower than in Q1 2026, at 129.21%. Within Kansas, Vintage Bank Kansas is 51st of 182 on return on assets, 1.70% as of Q2 2026, above the middle of the field. Vintage Bank Kansas reported 1.70% on return on assets for Q2 2026, 0.45 points above the 1.25% 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 | 11.56% |
| Equity capital to assets | 8.81% |
| Tangible equity to tangible assets | 8.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 5.78% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 129.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 19.26% |
| Net interest margin | 4.37% |
| Efficiency ratio | 54.70% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.24% |
| Core deposits to total deposits | 87.27% |
| Brokered deposits to total deposits | 3.89% |
| Deposits to assets | 80.18% |
| Securities to assets | 25.17% |
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 | 11.47% | 0.84% | 3.55% | 0.93% | -0.01% |
| Q4 2023 | 11.34% | 0.88% | 3.66% | 0.83% | -0.02% |
| Q1 2024 | 11.13% | 0.89% | 3.63% | 0.71% | 0.09% |
| Q2 2024 | 11.11% | 0.74% | 3.51% | 0.67% | 0.00% |
| Q3 2024 | 11.13% | 1.16% | 3.83% | 0.58% | 0.00% |
| Q4 2024 | 10.92% | 1.43% | 3.86% | 0.44% | 0.05% |
| Q1 2025 | 10.92% | 1.36% | 3.98% | 0.74% | -0.03% |
| Q2 2025 | 11.11% | 1.50% | 4.02% | 0.73% | -0.02% |
| Q3 2025 | 11.49% | 1.55% | 4.07% | 0.78% | 0.23% |
| Q4 2025 | 11.27% | 1.72% | 4.23% | 0.74% | -0.00% |
| Q1 2026 | 11.51% | 1.72% | 4.26% | 0.71% | -0.05% |
| Q2 2026 | 11.56% | 1.70% | 4.37% | 0.86% | 0.17% |
Vintage Bank Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vintage Bank Kansas, 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 Vintage Bank Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17927) · FFIEC NIC profile (RSSD 45458)