Cedar Valley Bank & Trust: 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 14.46 percentage points in Q2 2026, from 44.77% to 59.23%. It was the largest change from Q1 2026 among the key lines here. Cedar Valley Bank & Trust ranks 81st of 225 Iowa banks on return on assets, in the upper half at 1.57% (Q2 2026). Cedar Valley Bank & Trust reported 1.57% on return on assets for Q2 2026, 0.31 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.67% |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 1.53% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 15.93% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 59.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 17.66% |
| Net interest margin | 4.27% |
| Efficiency ratio | 61.78% |
| Yield on earning assets | 5.86% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.71% |
| Core deposits to total deposits | 90.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.67% |
| Securities to assets | 3.23% |
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 | 10.89% | 10.89% | 11.64% | 8.01% | 0.53% |
| Q4 2023 | 10.63% | 10.63% | 11.36% | 7.96% | 0.37% |
| Q1 2024 | 10.87% | 10.87% | 11.60% | 7.81% | 0.78% |
| Q2 2024 | 10.97% | 10.97% | 11.83% | 7.69% | 0.71% |
| Q3 2024 | 10.91% | 10.91% | 11.72% | 8.12% | 0.80% |
| Q4 2024 | 11.00% | 11.00% | 11.79% | 8.12% | 0.95% |
| Q1 2025 | 11.26% | 11.26% | 12.10% | 8.27% | 1.23% |
| Q2 2025 | 11.79% | 11.79% | 12.63% | 8.57% | 1.37% |
| Q3 2025 | 12.18% | 12.18% | 13.09% | 8.88% | 0.98% |
| Q4 2025 | 12.11% | 12.11% | 13.04% | 8.83% | 0.71% |
| Q1 2026 | 12.14% | 12.14% | 13.07% | 8.93% | 1.21% |
| Q2 2026 | 12.72% | 12.72% | 13.67% | 9.01% | 1.57% |
Cedar Valley Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Valley Bank & Trust, 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 Cedar Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14694) · FFIEC NIC profile (RSSD 1014246)