WebBank: 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.
Net interest margin climbed 1.19 percentage points in Q2 2026, from 15.84% to 17.03%. It was the largest change from Q1 2026 among the key lines here. Within Utah, WebBank is 6th of 44 on return on assets, 5.00% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, WebBank reported 5.00% on return on assets in Q2 2026, 3.73 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.10% |
| Tier 1 risk-based capital ratio | 18.10% |
| Total risk-based capital ratio | 19.18% |
| Tier 1 leverage ratio | 17.39% |
| Equity capital to assets | 16.73% |
| Tangible equity to tangible assets | 16.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 2.51% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 1775.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.00% |
| Return on equity | 28.93% |
| Net interest margin | 17.03% |
| Efficiency ratio | 62.73% |
| Yield on earning assets | 20.05% |
| Cost of funds | 3.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.47% |
| Core deposits to total deposits | 21.00% |
| Brokered deposits to total deposits | 78.97% |
| Deposits to assets | 79.11% |
| Securities to assets | 8.12% |
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 | 13.29% | 13.29% | 14.56% | 12.81% | -0.45% |
| Q4 2023 | 14.36% | 14.36% | 15.43% | 13.17% | 3.21% |
| Q1 2024 | 15.63% | 15.63% | 16.68% | 14.36% | 3.64% |
| Q2 2024 | 17.09% | 17.09% | 18.18% | 15.34% | 3.83% |
| Q3 2024 | 17.52% | 17.52% | 18.77% | 16.29% | 3.34% |
| Q4 2024 | 17.40% | 17.40% | 18.65% | 17.87% | 4.39% |
| Q1 2025 | 18.25% | 18.25% | 19.38% | 18.87% | 4.25% |
| Q2 2025 | 19.61% | 19.61% | 20.84% | 18.64% | 4.50% |
| Q3 2025 | 18.85% | 18.85% | 19.98% | 17.18% | 4.62% |
| Q4 2025 | 16.68% | 16.68% | 17.57% | 17.11% | 4.68% |
| Q1 2026 | 18.57% | 18.57% | 19.60% | 16.95% | 4.63% |
| Q2 2026 | 18.10% | 18.10% | 19.18% | 17.39% | 5.00% |
WebBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WebBank, 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 WebBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34404) · FFIEC NIC profile (RSSD 2576134)