Capra Bank
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Data as of · sourced from FFIEC call reports. How we update
Capra Bank is an FDIC-insured commercial bank headquartered in Dubuque, IA, established in 1946 (FDIC certificate 16363), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.34B, the 22nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16363
- Headquarters
- Dubuque, IA
- Established
- 1946
- Total assets, Q2 2026
- $1.34B
- CET1 ratio, Q2 2026
- 15.62%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073922063
- Holding company
- CAPRA FINANCIAL, INC.
- Asset rank in state
- 22nd of 225 in Iowa
Capra Bank operates with a thinner capital cushion than most banks of its size. It reported $1.3 billion in assets at June 30, 2026, against $771 million a year earlier. It funds 8.91% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 3.6%).
Earnings jumped: net income for the quarter was $3.6 million, 198% above the same quarter a year earlier. Delinquency has appeared in its $82 million non-owner-occupied commercial real estate book: 1.55% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.80% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Capra Bank reported a CET1 capital ratio of 15.62%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Capra Bank ranks as the 22nd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.9% to $1.34B, loans rose 16.8% and deposits rose 6.1%. Commercial and industrial loans made up 32.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 18.9%. Its 3 offices in the FDIC Summary of Deposits are in Dubuque, IA, Lubbock, TX and Albuquerque, NM; its Dubuque office books 34% of its branch deposits. Judged on its Q2 2026 call report, Capra Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 955 Washington St, Dubuque, IA 52001
- County
- Dubuque
- Metro Area
- Dubuque, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 21, 1946
- Former names
- Peoples Savings Bank (1972-2023)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.27B
- Average total loans
- $525.2M
- Average interest-bearing deposits
- $949.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 1946
- FDIC Cert
- 16363
- Fed RSSD
- 1013744
- SEC CIK
- 2127425 → filed by CAPRA FINANCIAL, INC.
- Website
- WWW.CAPRABANK.COM →
- Parent Holding Company
- CAPRA FINANCIAL, INC. (RSSD 5786738)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Capra Bank's total assets moved between a low of $148.8M (Q3 2023) and a high of $1.34B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.34B total assets against $770.8M; $1.23B total liabilities against $704.6M.
$558.6M net loans and leases against $349.8M; $1.11B total deposits against $701.4M.
$714.0M securities against $359.0M; $24.8M cash and balances due against $42.5M.
$17.8M total interest income against $11.2M; $8.1M total interest expense against $5.4M.
$9.7M net interest income against $5.8M.
$1.1M total noninterest income against $463K; $5.5M total noninterest expense against $4.2M.
$671K provision for credit losses against $512K.
$3.6M net income against $1.2M.
1.12% return on assets against 0.67%; 3.18% net interest margin against 3.35%.
15.62% CET1 capital ratio against 8.08%; 8.91% tier 1 leverage ratio against 8.79%.
Inside the full Capra Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCapra Bank rankings
Its closest position to the top of a national ranking is 816 of 4,196, for total assets; its furthest is 3,364 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q4 2024) to 2.44% (Q3 2024) and its net interest margin ran from 3.09% (Q1 2026) to 3.88% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.62% | 1.12% | 0.00% | 0.00% | 3.18% |
| Q1 2026 | 12.99% | 1.25% | 0.00% | 0.00% | 3.09% |
| Q4 2025 | 11.13% | 0.83% | 0.00% | 0.00% | 3.25% |
| Q3 2025 | 12.11% | 0.81% | 0.00% | 0.00% | 3.25% |
| Q2 2025 | 8.08% | 0.67% | 0.00% | 0.00% | 3.35% |
| Q1 2025 | 8.93% | 0.35% | 0.00% | 0.00% | 3.60% |
| Q4 2024 | 10.43% | 0.01% | 0.00% | 0.00% | 3.61% |
| Q3 2024 | 15.04% | 2.44% | 0.00% | 0.00% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Capra Bank (main office) | Dubuque , IA | 52001 | $379.3M |
| Lubbock Tx Branch | Lubbock , TX | 79424 | $377.1M |
| Albuquerque Temporary Branch | Albuquerque , NM | 87109 | $349.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 75 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capra Bank
What are Capra Bank's total assets?
As of the Q2 2026 filing, Capra Bank reported total assets of $1.34 billion in its FFIEC call report.
Where is Capra Bank headquartered?
It is headquartered in Dubuque, IA, United States.
When was Capra Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Capra Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capra Bank?
Capra Bank's primary federal regulator is the FDIC.
What is Capra Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capra Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capra Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Capra Bank previously called?
The charter now named Capra Bank has also operated as Peoples Savings Bank (1972-2023), per FDIC structure-change records.
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