Chelsea Savings 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 climbed 6.79 percentage points in Q2 2026, from 279.62% to 286.41%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Chelsea Savings Bank is 63rd of 225 on return on assets, 1.67% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Chelsea Savings Bank sits 0.42 points higher, at 1.67% (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 | 16.01% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 11.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.92% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | 286.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 15.63% |
| Net interest margin | 3.46% |
| Efficiency ratio | 42.65% |
| Yield on earning assets | 4.82% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.58% |
| Core deposits to total deposits | 88.44% |
| Brokered deposits to total deposits | 2.88% |
| Deposits to assets | 88.25% |
| Securities to assets | 49.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.07% | 1.40% | 2.94% | 0.31% | 0.00% |
| Q4 2023 | 16.24% | 0.85% | 2.70% | 0.45% | 0.03% |
| Q1 2024 | 16.19% | 0.98% | 2.59% | 0.46% | 0.00% |
| Q2 2024 | 16.29% | 1.05% | 2.69% | 0.44% | 0.03% |
| Q3 2024 | 16.45% | 1.04% | 2.70% | 0.58% | 0.00% |
| Q4 2024 | 15.88% | 0.93% | 2.93% | 0.45% | 0.00% |
| Q1 2025 | 15.27% | 1.19% | 3.16% | 0.29% | 0.30% |
| Q2 2025 | 15.32% | 1.59% | 3.38% | 0.27% | 0.00% |
| Q3 2025 | 15.68% | 1.56% | 3.31% | 0.26% | 0.00% |
| Q4 2025 | 15.68% | 1.61% | 3.34% | 0.25% | 0.00% |
| Q1 2026 | 16.20% | 1.63% | 3.35% | 0.26% | 0.00% |
| Q2 2026 | 16.01% | 1.67% | 3.46% | 0.24% | 0.00% |
Chelsea Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea Savings 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 Chelsea Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15427) · FFIEC NIC profile (RSSD 771748)