Defiance 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.
Loan-to-deposit ratio climbed 0.77 percentage points in Q2 2026, from 95.17% to 95.94%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Defiance State Bank is 20th from the bottom among 225 Iowa banks, 0.73% (Q3 2026). Defiance State Bank reported 0.73% on return on assets for Q2 2026, 0.27 points below the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.57% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 7.49% |
| Net interest margin | 4.06% |
| Efficiency ratio | 78.33% |
| Yield on earning assets | 5.41% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.94% |
| Core deposits to total deposits | 88.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.70% |
| Securities to assets | 10.62% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 10.31% | 10.31% | 10.80% | 8.81% | 0.87% |
| Q4 2023 | 10.20% | 10.20% | 10.68% | 8.85% | -0.09% |
| Q1 2024 | 10.97% | 10.97% | 11.47% | 9.03% | 0.98% |
| Q2 2024 | — | — | — | 9.39% | 0.63% |
| Q3 2024 | — | — | — | 9.78% | 0.58% |
| Q4 2024 | — | — | — | 9.40% | -0.13% |
| Q1 2025 | — | — | — | 9.66% | 1.21% |
| Q2 2025 | — | — | — | 10.05% | 0.53% |
| Q3 2025 | — | — | — | 10.67% | 1.13% |
| Q4 2025 | 10.34% | 10.34% | 10.85% | 10.00% | -0.52% |
| Q1 2026 | — | — | — | 9.79% | 0.69% |
| Q2 2026 | — | — | — | 9.86% | 0.73% |
Defiance State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Defiance 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 Defiance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17450) · FFIEC NIC profile (RSSD 902645)