Community Bank of Oelwein: 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 Q3 2026 was in Deposits to assets: 2.62 percentage points higher than in Q2 2026, at 81.55%. Community Bank of Oelwein ranks 169th of 225 Iowa banks on return on assets, in the lower half at 1.10% (Q3 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Community Bank of Oelwein sits 0.12 points higher, at 1.10% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.90% |
| Equity capital to assets | 14.13% |
| Tangible equity to tangible assets | 14.13% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | -0.14% |
| Texas ratio | 3.39% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 7.91% |
| Net interest margin | 3.45% |
| Efficiency ratio | 60.13% |
| Yield on earning assets | 5.48% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.30% |
| Core deposits to total deposits | 83.17% |
| Brokered deposits to total deposits | 6.99% |
| Deposits to assets | 81.55% |
| Securities to assets | 23.39% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 17.63% | 17.63% | 18.54% | 12.73% | 0.53% |
| Q1 2024 | 17.10% | 17.10% | 17.97% | 12.65% | 0.50% |
| Q2 2024 | 17.10% | 17.10% | 17.97% | 12.42% | 0.43% |
| Q3 2024 | 17.29% | 17.29% | 18.17% | 12.66% | 0.56% |
| Q4 2024 | 17.13% | 17.13% | 17.89% | 12.81% | 0.35% |
| Q1 2025 | 16.48% | 16.48% | 17.24% | 12.30% | 0.71% |
| Q2 2025 | — | — | — | 13.01% | 0.87% |
| Q3 2025 | — | — | — | 12.99% | 0.90% |
| Q4 2025 | — | — | — | 13.15% | 0.81% |
| Q1 2026 | — | — | — | 13.67% | 1.09% |
| Q2 2026 | — | — | — | 14.11% | 1.10% |
| Q3 2026 | — | — | — | 14.90% | 1.10% |
Community Bank of Oelwein vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oelwein, 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 Community Bank of Oelwein profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34857) · FFIEC NIC profile (RSSD 2702764)