Bank Comparison
Iowa State Bank vs Capra Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| CET1 Ratio | — | 12.99% |
| Tier 1 Capital Ratio | — | 12.99% |
| Total Capital Ratio | — | 13.78% |
| Tier 1 Leverage Ratio | 11.38% | 7.08% |
| Equity / Assets | 10.47% | 6.60% |
Profitability
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 1.25% |
| Return on Equity (ROE) | 14.44% | 19.22% |
| Net Interest Margin (NIM) | 3.52% | 3.09% |
| Yield on Earning Assets | 5.70% | 5.78% |
| Cost of Funds | 2.37% | 2.94% |
Asset quality
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| Texas Ratio | 1.70% | 0.00% |
| Non-Performing Loan Ratio | 0.08% | 0.00% |
| Non-Performing Asset Ratio | 0.06% | 0.00% |
| Net Charge-Off Ratio | -0.13% | 0.00% |
| ACL / Loans | 1.20% | 1.00% |
Balance sheet
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| Total Assets | $1,234M | $1,233M |
| Total Deposits | $894,826K | $1,043M |
| Total Loans | $876,554K | $482,630K |
| Total Equity | $129,320K | $81,376K |
| Net Income (quarter) | $4,664K | $3,651K |
Liquidity & funding
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 97.96% | 46.27% |
| Core Deposit Ratio | 84.18% | 92.35% |
| Uninsured Deposit Ratio | 23.49% | — |
Identity
| Metric | Iowa State Bank | Capra Bank |
|---|---|---|
| Headquarters City | HULL | DUBUQUE |
| Headquarters State | IA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 14 | 7 |
| Employees (FTE) | 109 | 70 |
| Established | Jan. 1, 1879, midnight | Jan. 21, 1946, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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