Audubon 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.
Loan-to-deposit ratio climbed 9.94 percentage points in Q2 2026, from 84.08% to 94.02%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Audubon State Bank sits 6th from the top on return on assets, 2.50% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Audubon State Bank reported 2.50% on return on assets in Q2 2026, 1.25 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.57% |
| Tier 1 leverage ratio | 10.46% |
| Equity capital to assets | 12.36% |
| Tangible equity to tangible assets | 10.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.36% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 549.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.50% |
| Return on equity | 21.55% |
| Net interest margin | 4.46% |
| Efficiency ratio | 39.20% |
| Yield on earning assets | 6.03% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.02% |
| Core deposits to total deposits | 82.85% |
| Brokered deposits to total deposits | 1.08% |
| Deposits to assets | 84.32% |
| Securities to assets | 10.96% |
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 | 12.74% | 12.74% | 13.80% | 9.58% | 1.41% |
| Q4 2023 | 12.82% | 12.82% | 13.86% | 9.94% | 1.61% |
| Q1 2024 | 13.45% | 13.45% | 14.51% | 10.22% | 1.54% |
| Q2 2024 | 13.75% | 13.75% | 14.84% | 10.30% | 1.63% |
| Q3 2024 | 12.75% | 12.75% | 13.73% | 10.38% | 1.80% |
| Q4 2024 | 12.57% | 12.57% | 13.59% | 9.96% | 1.55% |
| Q1 2025 | 13.89% | 13.89% | 14.97% | 9.64% | 1.71% |
| Q2 2025 | 13.53% | 13.53% | 14.55% | 10.17% | 1.98% |
| Q3 2025 | 13.20% | 13.20% | 14.24% | 10.39% | 2.24% |
| Q4 2025 | 13.04% | 13.04% | 14.13% | 9.84% | 2.31% |
| Q1 2026 | 13.99% | 13.99% | 15.15% | 10.13% | 2.19% |
| Q2 2026 | 14.41% | 14.41% | 15.57% | 10.46% | 2.50% |
Audubon State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Audubon 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 Audubon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5814) · FFIEC NIC profile (RSSD 760649)