Availa 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.
Reserve coverage of non-performing loans climbed 13.08 percentage points in Q2 2026, from 325.92% to 339.00%. It was the largest change from Q1 2026 among the key lines here. Availa Bank ranks 188th of 225 Iowa banks on return on assets, in the lower half at 0.94% (Q2 2026). Availa Bank reported 0.94% on return on assets for Q2 2026, 0.33 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 9.33% |
| Equity capital to assets | 9.01% |
| Tangible equity to tangible assets | 7.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 2.85% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 339.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 10.75% |
| Net interest margin | 3.03% |
| Efficiency ratio | 59.80% |
| Yield on earning assets | 5.08% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.82% |
| Core deposits to total deposits | 85.15% |
| Brokered deposits to total deposits | 7.35% |
| Deposits to assets | 82.01% |
| Securities to assets | 21.57% |
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 | — | — | — | 9.32% | 0.43% |
| Q4 2023 | 11.85% | 11.85% | 12.76% | 8.89% | 0.31% |
| Q1 2024 | 11.97% | 11.97% | 12.90% | 9.06% | 0.48% |
| Q2 2024 | 12.09% | 12.09% | 13.03% | 9.09% | 0.39% |
| Q3 2024 | 12.34% | 12.34% | 13.30% | 8.98% | 0.39% |
| Q4 2024 | 12.02% | 12.02% | 12.99% | 9.01% | 0.48% |
| Q1 2025 | 12.24% | 12.24% | 13.28% | 9.16% | 0.56% |
| Q2 2025 | 12.01% | 12.01% | 13.05% | 9.17% | 0.65% |
| Q3 2025 | 12.14% | 12.14% | 13.20% | 9.26% | 0.86% |
| Q4 2025 | 12.11% | 12.11% | 13.16% | 9.35% | 0.87% |
| Q1 2026 | 12.12% | 12.12% | 13.27% | 9.32% | 0.93% |
| Q2 2026 | 12.55% | 12.55% | 13.66% | 9.33% | 0.94% |
Availa Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Availa 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 Availa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11771) · FFIEC NIC profile (RSSD 859141)