YNB: 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 8.99 percentage points in Q2 2026, from 53.65% to 62.64%. It was the largest change from Q1 2026 among the key lines here. YNB ranks 148th of 169 Oklahoma banks on return on assets, in the lower half at 0.58% (Q2 2026). YNB's return on assets of 0.58% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 8.45% |
| Equity capital to assets | 7.86% |
| Tangible equity to tangible assets | 7.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 10.10% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 195.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 7.65% |
| Net interest margin | 3.74% |
| Efficiency ratio | 82.70% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.64% |
| Core deposits to total deposits | 77.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.97% |
| Securities to assets | 33.97% |
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 | 13.38% | 13.38% | 14.10% | 8.94% | 0.89% |
| Q4 2023 | 13.58% | 13.58% | 14.31% | 8.99% | 0.69% |
| Q1 2024 | 13.68% | 13.68% | 14.42% | 9.09% | 0.94% |
| Q2 2024 | 13.74% | 13.74% | 14.47% | 9.10% | 0.82% |
| Q3 2024 | 14.08% | 14.08% | 14.83% | 9.07% | 0.49% |
| Q4 2024 | 14.27% | 14.27% | 15.03% | 8.95% | 0.47% |
| Q1 2025 | 12.87% | 12.87% | 13.61% | 9.07% | 0.47% |
| Q2 2025 | 13.61% | 13.61% | 14.38% | 8.93% | 0.36% |
| Q3 2025 | 13.77% | 13.77% | 14.55% | 8.97% | 0.42% |
| Q4 2025 | 13.49% | 13.49% | 14.24% | 9.00% | 0.38% |
| Q1 2026 | 12.82% | 12.82% | 13.52% | 8.41% | 0.50% |
| Q2 2026 | 12.25% | 12.25% | 12.93% | 8.45% | 0.58% |
YNB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock YNB, 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 YNB profile, peer group comparison, or how this data updates.
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