Worthington 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: 330.03 percentage points higher than in Q1 2026, at 638.29%. Within Texas, Worthington Bank is 248th of 345 on return on assets, 1.09% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Worthington Bank sits 0.17 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.56% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 13.61% |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.21% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 638.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.85% |
| Net interest margin | 4.28% |
| Efficiency ratio | 60.84% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.21% |
| Core deposits to total deposits | 85.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.92% |
| Securities to assets | 0.13% |
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 | 11.88% | 11.88% | 12.87% | 8.88% | 0.40% |
| Q4 2023 | 11.36% | 11.36% | 12.30% | 8.62% | 0.56% |
| Q1 2024 | 11.16% | 11.16% | 12.10% | 8.49% | 0.36% |
| Q2 2024 | 10.94% | 10.94% | 11.85% | 8.44% | 0.39% |
| Q3 2024 | 11.34% | 11.34% | 12.27% | 8.59% | 0.68% |
| Q4 2024 | 11.20% | 11.20% | 12.12% | 8.41% | 0.79% |
| Q1 2025 | 11.18% | 11.18% | 12.10% | 8.51% | 0.79% |
| Q2 2025 | 11.17% | 11.17% | 12.10% | 8.75% | 1.10% |
| Q3 2025 | 11.71% | 11.71% | 12.66% | 9.41% | 1.32% |
| Q4 2025 | 12.05% | 12.05% | 13.01% | 9.59% | 1.57% |
| Q1 2026 | 12.27% | 12.27% | 13.26% | 9.41% | 1.17% |
| Q2 2026 | 12.56% | 12.56% | 13.61% | 9.31% | 1.09% |
Worthington Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington 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 Worthington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57414) · FFIEC NIC profile (RSSD 3150205)