Capra 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.
Loan-to-deposit ratio climbed 4.71 percentage points in Q2 2026, from 46.27% to 50.97%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Capra Bank is 163rd of 225 on return on assets, 1.12% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Capra Bank sits 0.15 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.62% |
| Tier 1 risk-based capital ratio | 15.62% |
| Total risk-based capital ratio | 16.41% |
| Tier 1 leverage ratio | 8.91% |
| Equity capital to assets | 8.47% |
| Tangible equity to tangible assets | 8.10% |
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 | 0.00% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 14.62% |
| Net interest margin | 3.18% |
| Efficiency ratio | 50.54% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.97% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 6.79% |
| Deposits to assets | 82.37% |
| Securities to assets | 53.16% |
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 | 46.99% | 46.99% | 47.76% | 17.24% | -2.89% |
| Q4 2023 | 24.36% | 24.36% | 25.55% | 10.13% | -2.89% |
| Q1 2024 | 23.27% | 43.02% | 43.88% | 22.71% | -0.39% |
| Q2 2024 | 17.46% | 32.50% | 33.28% | 17.41% | 0.39% |
| Q3 2024 | 15.04% | 26.69% | 27.44% | 14.13% | 2.44% |
| Q4 2024 | 10.43% | 18.68% | 19.42% | 11.93% | 0.01% |
| Q1 2025 | 8.93% | 15.63% | 16.41% | 10.25% | 0.35% |
| Q2 2025 | 8.08% | 14.00% | 14.81% | 8.79% | 0.67% |
| Q3 2025 | 12.11% | 12.11% | 12.89% | 7.49% | 0.81% |
| Q4 2025 | 11.13% | 11.13% | 11.97% | 6.34% | 0.83% |
| Q1 2026 | 12.99% | 12.99% | 13.78% | 7.08% | 1.25% |
| Q2 2026 | 15.62% | 15.62% | 16.41% | 8.91% | 1.12% |
Capra Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capra 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 Capra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16363) · FFIEC NIC profile (RSSD 1013744)