Brookfield, MO · Cert 9385 · Capital Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.95% | 0.62% | 0.60% | 0.33% | -58 bps | |
| Return on Equity | 9.04% | 8.98% | 5.59% | 5.52% | 3.08% | -597 bps | |
| Net Interest Margin | 2.50% | 2.60% | 2.51% | 2.51% | 2.49% | -1 bps | |
| Efficiency Ratio | 64.58% | 64.99% | 74.36% | 73.01% | 67.56% | +298 bps | |
| Non-Interest Burden | 1.59% | 1.66% | 1.85% | 1.81% | 1.67% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 3.48% | 0.89% | 1.90% | 3.94% | -267 bps | |
| Loan Growth (YoY) | 9.72% | 9.11% | 6.91% | 2.95% | -5.36% | -1,507 bps | |
| Deposit Growth (YoY) | 5.69% | 2.75% | -0.87% | 1.04% | 5.72% | +3 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.62% | 1.64% | 1.60% | 1.64% | 1.71% | +9 bps | |
| Allowance Coverage of NPLs | n/a | 33.9x | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.20% | 11.58% | 11.43% | 11.32% | 11.14% | -6 bps | |
| Total Risk-Based Capital | 34.62% | 35.87% | 35.62% | 36.57% | 40.90% | +629 bps | |
| Equity / Assets | 10.22% | 11.02% | 10.99% | 10.58% | 10.63% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 23.52% | 24.07% | 24.07% | 22.49% | 21.06% | -246 bps | |
| Liquid Assets / Assets | 7.10% | 5.55% | 6.38% | 9.26% | 8.10% | +100 bps | |
| CRE / Total Capital | n/a | 8.23% | 9.77% | 8.66% | n/a | n/a | |