Bank Plus: 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 Loan-to-deposit ratio: 6.33 percentage points higher than in Q1 2026, at 117.12%. Bank Plus ranks 117th of 225 Iowa banks on return on assets, in the lower half at 1.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bank Plus sits 0.10 points higher, at 1.36% (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 | 10.67% |
| Equity capital to assets | 12.08% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 11.48% |
| Net interest margin | 4.58% |
| Efficiency ratio | 67.57% |
| Yield on earning assets | 6.03% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.12% |
| Core deposits to total deposits | 92.45% |
| Brokered deposits to total deposits | 4.85% |
| Deposits to assets | 71.51% |
| Securities to assets | 8.72% |
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 | 9.75% | 9.75% | 10.96% | 8.71% | 0.72% |
| Q4 2023 | 9.74% | 9.74% | 10.51% | 8.81% | -2.58% |
| Q1 2024 | 9.80% | 9.80% | 10.59% | 8.75% | 0.73% |
| Q2 2024 | 9.93% | 9.93% | 10.70% | 8.95% | 0.87% |
| Q3 2024 | — | — | — | 9.12% | 0.89% |
| Q4 2024 | — | — | — | 9.17% | 0.72% |
| Q1 2025 | — | — | — | 9.53% | 0.66% |
| Q2 2025 | — | — | — | 10.10% | 0.88% |
| Q3 2025 | — | — | — | 10.00% | 0.76% |
| Q4 2025 | — | — | — | 10.11% | 1.16% |
| Q1 2026 | — | — | — | 9.81% | 1.06% |
| Q2 2026 | — | — | — | 10.67% | 1.36% |
Bank Plus vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Plus, 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 Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16547) · FFIEC NIC profile (RSSD 329149)