Cusb 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 Reserve coverage of non-performing loans: 9.67 percentage points lower than in Q1 2026, at 77.98%. Within Iowa, Cusb Bank is 77th of 225 on return on assets, 1.59% 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. Cusb Bank sits 0.34 points higher, at 1.59% (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 | 12.27% |
| Equity capital to assets | 11.77% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.79% |
| Non-performing assets ratio | 1.46% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 16.09% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 77.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 13.83% |
| Net interest margin | 3.73% |
| Efficiency ratio | 52.97% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.97% |
| Core deposits to total deposits | 87.04% |
| Brokered deposits to total deposits | 4.89% |
| Deposits to assets | 86.11% |
| Securities to assets | 13.87% |
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 | 11.56% | 0.97% | 2.68% | 1.02% | 0.32% |
| Q4 2023 | 11.87% | 1.11% | 2.73% | 0.07% | 0.99% |
| Q1 2024 | 11.76% | 0.79% | 2.84% | 0.15% | 0.04% |
| Q2 2024 | 11.84% | 1.12% | 2.89% | 0.27% | 0.06% |
| Q3 2024 | 11.68% | 0.81% | 2.87% | 1.07% | 0.03% |
| Q4 2024 | 11.47% | 0.90% | 3.00% | 1.11% | 0.24% |
| Q1 2025 | 11.60% | 1.10% | 3.05% | 2.58% | 0.05% |
| Q2 2025 | 11.76% | 1.42% | 3.29% | 2.51% | 0.06% |
| Q3 2025 | 12.15% | 1.32% | 3.37% | 2.57% | 0.03% |
| Q4 2025 | 12.07% | 1.08% | 3.45% | 1.55% | 0.09% |
| Q1 2026 | 12.33% | 1.43% | 3.59% | 1.61% | 0.11% |
| Q2 2026 | 12.27% | 1.59% | 3.73% | 1.79% | 0.28% |
Cusb Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cusb 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 Cusb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18443) · FFIEC NIC profile (RSSD 900146)