Bank 1st: 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 dropped 0.88 percentage points in Q2 2026, from 76.22% to 75.33%. It was the largest change from Q1 2026 among the key lines here. Bank 1st ranks 111th of 225 Iowa banks on return on assets, in the upper half at 1.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bank 1st sits 0.16 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.20% |
| Equity capital to assets | 10.43% |
| Tangible equity to tangible assets | 10.43% |
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 | 0.02% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 46700.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 13.44% |
| Net interest margin | 3.46% |
| Efficiency ratio | 55.90% |
| Yield on earning assets | 4.66% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.33% |
| Core deposits to total deposits | 94.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.43% |
| Securities to assets | 36.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.26% | 1.00% | 2.64% | 0.00% | 0.01% |
| Q4 2023 | 14.67% | 0.75% | 2.59% | 0.05% | 0.00% |
| Q1 2024 | 14.27% | 0.75% | 2.69% | 0.05% | 0.00% |
| Q2 2024 | 14.19% | 0.87% | 2.79% | 0.30% | -0.01% |
| Q3 2024 | 14.64% | 0.73% | 2.81% | 0.00% | 0.01% |
| Q4 2024 | 15.20% | 1.52% | 3.13% | 0.00% | 0.00% |
| Q1 2025 | 15.30% | 0.96% | 3.11% | 0.00% | 0.00% |
| Q2 2025 | 15.60% | 1.22% | 3.30% | 0.00% | 0.00% |
| Q3 2025 | 15.91% | 1.15% | 3.36% | 0.05% | 0.00% |
| Q4 2025 | 15.11% | 1.29% | 3.37% | 0.04% | 0.07% |
| Q1 2026 | 14.89% | 1.21% | 3.42% | 0.00% | 0.00% |
| Q2 2026 | 15.20% | 1.42% | 3.46% | 0.00% | 0.00% |
Bank 1st vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 1st, 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 Bank 1st profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13816) · FFIEC NIC profile (RSSD 142049)