Ashton State 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 Efficiency ratio: 10.67 percentage points lower than in Q1 2026, at 48.83%. Ashton State Bank ranks 85th of 225 Iowa banks on return on assets, in the upper half at 1.55% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Ashton State Bank reported 1.55% on return on assets in Q2 2026, 0.56 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.26% |
| Tier 1 risk-based capital ratio | 19.26% |
| Total risk-based capital ratio | 20.26% |
| Tier 1 leverage ratio | 14.70% |
| Equity capital to assets | 12.04% |
| Tangible equity to tangible assets | 12.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.38% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 13.17% |
| Net interest margin | 3.62% |
| Efficiency ratio | 48.83% |
| Yield on earning assets | 5.49% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.64% |
| Core deposits to total deposits | 90.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.70% |
| Securities to assets | 26.68% |
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 | — | — | — | 14.38% | 1.48% |
| Q4 2023 | — | — | — | 13.70% | 0.79% |
| Q1 2024 | 15.93% | 15.93% | 16.80% | 13.75% | 1.01% |
| Q2 2024 | 15.79% | 15.79% | 16.64% | 13.82% | 1.01% |
| Q3 2024 | 16.01% | 16.01% | 16.87% | 13.69% | 0.79% |
| Q4 2024 | 17.38% | 17.38% | 18.36% | 13.32% | 0.72% |
| Q1 2025 | 15.85% | 15.85% | 16.73% | 13.56% | 1.12% |
| Q2 2025 | — | — | — | 14.14% | 1.47% |
| Q3 2025 | 18.93% | 18.93% | 19.92% | 14.76% | 1.70% |
| Q4 2025 | 17.40% | 17.40% | 18.33% | 14.35% | 1.31% |
| Q1 2026 | — | — | — | 14.54% | 1.26% |
| Q2 2026 | 19.26% | 19.26% | 20.26% | 14.70% | 1.55% |
Ashton State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ashton State 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 Ashton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11343) · FFIEC NIC profile (RSSD 821643)