Bank Iowa: 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 15.99 percentage points in Q2 2026, from 84.33% to 100.32%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Bank Iowa is 121st of 225 on return on assets, 1.32% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bank Iowa sits 0.04 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.87% |
| Tier 1 risk-based capital ratio | 10.87% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 8.65% |
| Tangible equity to tangible assets | 8.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.35% |
| Non-performing assets ratio | 1.08% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 11.95% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 100.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 16.23% |
| Net interest margin | 3.67% |
| Efficiency ratio | 60.28% |
| Yield on earning assets | 5.60% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.15% |
| Core deposits to total deposits | 86.15% |
| Brokered deposits to total deposits | 5.49% |
| Deposits to assets | 83.94% |
| Securities to assets | 18.16% |
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 | 10.52% | 10.52% | 11.75% | 8.91% | 1.00% |
| Q4 2023 | 10.32% | 10.32% | 11.51% | 8.88% | 0.80% |
| Q1 2024 | 10.69% | 10.69% | 11.93% | 8.82% | 1.00% |
| Q2 2024 | 10.59% | 10.59% | 11.82% | 8.74% | 0.93% |
| Q3 2024 | 10.63% | 10.63% | 11.83% | 8.80% | 1.31% |
| Q4 2024 | 10.30% | 10.30% | 11.46% | 8.87% | 0.94% |
| Q1 2025 | 10.60% | 10.60% | 11.79% | 9.10% | 1.21% |
| Q2 2025 | 10.63% | 10.63% | 11.84% | 8.96% | 1.04% |
| Q3 2025 | 10.49% | 10.49% | 11.68% | 8.67% | 1.19% |
| Q4 2025 | 10.55% | 10.55% | 11.75% | 8.71% | 1.25% |
| Q1 2026 | 10.49% | 10.49% | 11.69% | 8.85% | 1.24% |
| Q2 2026 | 10.87% | 10.87% | 12.10% | 8.94% | 1.32% |
Bank Iowa vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Iowa, 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 Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14521) · FFIEC NIC profile (RSSD 187947)