Central 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.
Reserve coverage of non-performing loans dropped 8.96 percentage points in Q2 2026, from 521.76% to 512.80%. It was the largest change from Q1 2026 among the key lines here. Central Bank ranks 171st of 225 Iowa banks on return on assets, in the lower half at 1.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Central Bank sits 0.20 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.55% |
| Tier 1 leverage ratio | 10.09% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.04% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 512.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 10.43% |
| Net interest margin | 3.63% |
| Efficiency ratio | 65.76% |
| Yield on earning assets | 5.76% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.65% |
| Core deposits to total deposits | 85.88% |
| Brokered deposits to total deposits | 0.26% |
| Deposits to assets | 81.80% |
| Securities to assets | 6.69% |
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 | 9.18% | 9.18% | 10.15% | 8.66% | 0.65% |
| Q4 2023 | 9.69% | 9.69% | 10.71% | 9.20% | 0.45% |
| Q1 2024 | 9.66% | 9.66% | 10.67% | 9.10% | 0.53% |
| Q2 2024 | 9.58% | 9.58% | 10.57% | 8.90% | 0.52% |
| Q3 2024 | 9.59% | 9.59% | 10.57% | 9.09% | 0.56% |
| Q4 2024 | 9.57% | 9.57% | 10.56% | 9.05% | 0.44% |
| Q1 2025 | 9.62% | 9.62% | 10.61% | 8.96% | 0.57% |
| Q2 2025 | 10.46% | 10.46% | 11.42% | 10.00% | 0.79% |
| Q3 2025 | 10.54% | 10.54% | 11.48% | 9.71% | 0.94% |
| Q4 2025 | 10.56% | 10.56% | 11.52% | 9.85% | 0.86% |
| Q1 2026 | 10.51% | 10.51% | 11.46% | 9.99% | 0.84% |
| Q2 2026 | 10.60% | 10.60% | 11.55% | 10.09% | 1.08% |
Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15555) · FFIEC NIC profile (RSSD 546544)