Wilson 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.
Loan-to-deposit ratio climbed 3.73 percentage points in Q2 2026, from 76.40% to 80.13%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Wilson State Bank is 120th of 182 on return on assets, 1.30% as of Q2 2026. Wilson State Bank reported 1.30% on return on assets for Q2 2026, 0.04 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.52% |
| Tier 1 risk-based capital ratio | 12.52% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.48% |
| Equity capital to assets | 8.50% |
| Tangible equity to tangible assets | 7.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 24733.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 15.71% |
| Net interest margin | 3.75% |
| Efficiency ratio | 63.95% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.13% |
| Core deposits to total deposits | 90.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.87% |
| Securities to assets | 17.38% |
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 | 10.96% | 10.96% | 11.88% | 8.06% | 0.74% |
| Q4 2023 | 11.34% | 11.34% | 12.28% | 8.31% | 0.67% |
| Q1 2024 | 11.71% | 11.71% | 12.68% | 8.51% | 0.63% |
| Q2 2024 | 11.89% | 11.89% | 12.87% | 8.84% | 0.92% |
| Q3 2024 | 11.96% | 11.96% | 12.94% | 8.77% | 1.06% |
| Q4 2024 | 12.20% | 12.20% | 13.19% | 8.74% | 1.24% |
| Q1 2025 | 12.14% | 12.14% | 13.12% | 8.94% | 1.00% |
| Q2 2025 | 12.49% | 12.49% | 13.48% | 9.20% | 1.22% |
| Q3 2025 | 12.53% | 12.53% | 13.51% | 9.18% | 0.99% |
| Q4 2025 | 12.74% | 12.74% | 13.74% | 9.37% | 1.10% |
| Q1 2026 | 12.54% | 12.54% | 13.39% | 9.28% | 1.11% |
| Q2 2026 | 12.52% | 12.52% | 13.31% | 9.48% | 1.30% |
Wilson State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson 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 Wilson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12136) · FFIEC NIC profile (RSSD 501655)