Worthington Federal Savings Bank, F.S.B.: 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.
Reserve coverage of non-performing loans climbed 2.28 percentage points in Q2 2026, from 169.75% to 172.03%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Worthington Federal Savings Bank, F.S.B. is 198th of 221 on return on assets, 0.62% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Worthington Federal Savings Bank, F.S.B. reported 0.62% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.06% |
| Tier 1 risk-based capital ratio | 31.06% |
| Total risk-based capital ratio | 31.89% |
| Tier 1 leverage ratio | 14.83% |
| Equity capital to assets | 14.65% |
| Tangible equity to tangible assets | 14.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.89% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 172.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 4.23% |
| Net interest margin | 2.90% |
| Efficiency ratio | 69.78% |
| Yield on earning assets | 4.82% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.41% |
| Core deposits to total deposits | 92.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.71% |
| Securities to assets | 9.92% |
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 | 32.11% | 32.11% | 33.00% | 14.36% | 0.16% |
| Q4 2023 | 33.48% | 33.48% | 34.41% | 14.21% | 0.02% |
| Q1 2024 | 31.99% | 31.99% | 32.87% | 13.78% | 0.19% |
| Q2 2024 | 31.97% | 31.97% | 32.85% | 13.92% | 0.24% |
| Q3 2024 | 32.39% | 32.39% | 33.28% | 13.98% | 0.18% |
| Q4 2024 | 32.11% | 32.11% | 32.99% | 14.12% | 0.33% |
| Q1 2025 | 32.58% | 32.58% | 33.47% | 13.92% | 0.17% |
| Q2 2025 | 32.06% | 32.06% | 32.96% | 13.89% | 0.28% |
| Q3 2025 | 32.16% | 32.16% | 32.98% | 15.52% | 1.63% |
| Q4 2025 | 31.81% | 31.81% | 32.65% | 14.76% | 0.20% |
| Q1 2026 | 30.31% | 30.31% | 31.12% | 14.43% | 0.60% |
| Q2 2026 | 31.06% | 31.06% | 31.89% | 14.83% | 0.62% |
Worthington Federal Savings Bank, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington Federal Savings Bank, F.S.B., 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 Federal Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29426) · FFIEC NIC profile (RSSD 258874)