Cherokee State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.75 percentage points higher than in Q1 2026, at 83.47%. Within Iowa, Cherokee State Bank is 158th of 225 on return on assets, 1.16% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Cherokee State Bank sits 0.09 points lower, at 1.16% (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 | 13.03% |
| Equity capital to assets | 10.18% |
| Tangible equity to tangible assets | 10.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.22% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 11.53% |
| Net interest margin | 3.07% |
| Efficiency ratio | 59.09% |
| Yield on earning assets | 5.13% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.47% |
| Core deposits to total deposits | 87.27% |
| Brokered deposits to total deposits | 4.10% |
| Deposits to assets | 80.75% |
| Securities to assets | 26.12% |
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 | 12.88% | 0.82% | 2.58% | 0.00% | 0.09% |
| Q4 2023 | 13.10% | 0.26% | 2.59% | 0.00% | 0.00% |
| Q1 2024 | 13.00% | 0.79% | 2.68% | 0.00% | -0.00% |
| Q2 2024 | 13.03% | 0.80% | 2.44% | 0.00% | 0.00% |
| Q3 2024 | 13.04% | 0.62% | 2.46% | 0.25% | 0.00% |
| Q4 2024 | 12.92% | 0.67% | 2.55% | 0.00% | 0.99% |
| Q1 2025 | 13.08% | 0.47% | 2.49% | 0.00% | -0.00% |
| Q2 2025 | 13.04% | 1.15% | 2.66% | 0.00% | 0.00% |
| Q3 2025 | 13.20% | 0.82% | 2.72% | 0.00% | 0.00% |
| Q4 2025 | 12.97% | 0.90% | 2.83% | 0.00% | -0.00% |
| Q1 2026 | 12.81% | 0.92% | 2.87% | 0.00% | 0.00% |
| Q2 2026 | 13.03% | 1.16% | 3.07% | 0.00% | -0.22% |
Cherokee State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cherokee State 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 Cherokee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 951) · FFIEC NIC profile (RSSD 205542)