Vinton County 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 83.78 percentage points higher than in Q1 2026, at 434.88%. Within Ohio, Vinton County National Bank is 56th of 156 on return on assets, 1.29% as of Q2 2026, above the middle of the field. At 1.29%, Vinton County National Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (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 | 10.49% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 10.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 2.12% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 434.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 12.72% |
| Net interest margin | 3.87% |
| Efficiency ratio | 57.50% |
| Yield on earning assets | 5.55% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.22% |
| Core deposits to total deposits | 90.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.73% |
| Securities to assets | 20.89% |
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 | 10.11% | 0.66% | 2.96% | 0.15% | 0.08% |
| Q4 2023 | 10.09% | 0.63% | 2.99% | 0.12% | 0.16% |
| Q1 2024 | 10.08% | 0.63% | 2.85% | 0.25% | 0.11% |
| Q2 2024 | 10.03% | 0.63% | 3.08% | 0.26% | 0.15% |
| Q3 2024 | 9.98% | 0.75% | 3.07% | 0.35% | 0.16% |
| Q4 2024 | 9.96% | 0.94% | 3.27% | 0.31% | 0.15% |
| Q1 2025 | 10.13% | 0.80% | 3.24% | 0.27% | 0.09% |
| Q2 2025 | 10.00% | 0.86% | 3.52% | 0.25% | 0.20% |
| Q3 2025 | 10.19% | 1.18% | 3.64% | 0.27% | 0.08% |
| Q4 2025 | 10.27% | 1.35% | 3.79% | 0.22% | 0.13% |
| Q1 2026 | 10.51% | 1.23% | 3.72% | 0.29% | 0.08% |
| Q2 2026 | 10.49% | 1.29% | 3.87% | 0.24% | 0.10% |
Vinton County National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vinton County 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 Vinton County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6636) · FFIEC NIC profile (RSSD 754826)