Wood & Huston 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: 149.62 percentage points lower than in Q1 2026, at 571.25%. Within Missouri, Wood & Huston Bank is 32nd of 192 on return on assets, 2.16% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Wood & Huston Bank reported 2.16% on return on assets in Q2 2026, 0.88 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.34% |
| Tier 1 risk-based capital ratio | 13.34% |
| Total risk-based capital ratio | 14.57% |
| Tier 1 leverage ratio | 11.55% |
| Equity capital to assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 2.22% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 571.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 20.28% |
| Net interest margin | 3.95% |
| Efficiency ratio | 49.27% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.10% |
| Core deposits to total deposits | 90.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.72% |
| Securities to assets | 11.48% |
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 | 11.79% | 11.79% | 13.04% | 9.77% | 1.19% |
| Q4 2023 | 11.75% | 11.75% | 13.00% | 9.83% | 0.94% |
| Q1 2024 | 11.56% | 11.56% | 12.81% | 9.58% | 1.15% |
| Q2 2024 | 11.85% | 11.85% | 13.10% | 10.11% | 1.36% |
| Q3 2024 | 12.13% | 12.13% | 13.38% | 10.25% | 1.55% |
| Q4 2024 | 11.95% | 11.95% | 13.21% | 9.88% | 1.30% |
| Q1 2025 | 12.43% | 12.43% | 13.68% | 10.00% | 1.58% |
| Q2 2025 | 12.72% | 12.72% | 13.96% | 10.72% | 2.02% |
| Q3 2025 | 13.43% | 13.43% | 14.68% | 11.23% | 2.16% |
| Q4 2025 | 12.61% | 12.61% | 13.84% | 10.80% | 1.74% |
| Q1 2026 | 13.45% | 13.45% | 14.70% | 11.02% | 2.01% |
| Q2 2026 | 13.34% | 13.34% | 14.57% | 11.55% | 2.16% |
Wood & Huston Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wood & Huston 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 Wood & Huston Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1060) · FFIEC NIC profile (RSSD 671558)