Welcome State 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 Loan-to-deposit ratio: 2.82 percentage points higher than in Q1 2026, at 80.20%. On return on assets, Welcome State Bank ranks 5th highest among the 221 banks headquartered in Minnesota, at 2.90% (Q2 2026). Welcome State Bank's return on assets of 2.90% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.90 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 | 12.81% |
| Equity capital to assets | 12.95% |
| Tangible equity to tangible assets | 12.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.90% |
| Return on equity | 22.92% |
| Net interest margin | 4.61% |
| Efficiency ratio | 39.57% |
| Yield on earning assets | 6.03% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.20% |
| Core deposits to total deposits | 94.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.94% |
| Securities to assets | 10.06% |
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 | 19.13% | 19.13% | 20.38% | 10.97% | 2.63% |
| Q4 2023 | 17.15% | 17.15% | 18.40% | 10.68% | -0.66% |
| Q1 2024 | 17.64% | 17.64% | 18.89% | 11.23% | 2.50% |
| Q2 2024 | 18.84% | 18.84% | 20.10% | 11.75% | 2.80% |
| Q3 2024 | 19.69% | 19.69% | 20.95% | 12.05% | 2.71% |
| Q4 2024 | 18.75% | 18.75% | 20.01% | 11.64% | 0.43% |
| Q1 2025 | 18.27% | 18.27% | 19.53% | 11.78% | 2.48% |
| Q2 2025 | 18.02% | 18.02% | 19.27% | 12.03% | 2.92% |
| Q3 2025 | 18.46% | 18.46% | 19.72% | 12.31% | 2.44% |
| Q4 2025 | — | — | — | 12.15% | 1.37% |
| Q1 2026 | — | — | — | 12.79% | 2.97% |
| Q2 2026 | — | — | — | 12.81% | 2.90% |
Welcome State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Welcome State 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 Welcome State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11417) · FFIEC NIC profile (RSSD 215653)