Dysart 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.
Reserve coverage of non-performing loans dropped 35.18 percentage points in Q2 2026, from 96.15% to 60.98%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Dysart State Bank sits 9th from the top on return on assets, 2.37% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, Dysart State Bank reported 2.37% on return on assets in Q2 2026, 1.37 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.12% |
| Tier 1 leverage ratio | 11.41% |
| Equity capital to assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.68% |
| Non-performing assets ratio | 1.24% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 9.88% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 60.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.37% |
| Return on equity | 21.06% |
| Net interest margin | 5.21% |
| Efficiency ratio | 47.21% |
| Yield on earning assets | 5.87% |
| Cost of funds | 0.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.16% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.28% |
| Securities to assets | 4.67% |
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 | 15.49% | 15.49% | 15.85% | 8.18% | 2.09% |
| Q4 2023 | 15.56% | 15.56% | 16.17% | 8.75% | 0.96% |
| Q1 2024 | 13.90% | 13.90% | 14.45% | 8.80% | 0.76% |
| Q2 2024 | 14.99% | 14.99% | 16.12% | 8.58% | 0.47% |
| Q3 2024 | 14.94% | 14.94% | 16.01% | 9.16% | 2.33% |
| Q4 2024 | 15.01% | 15.01% | 16.07% | 9.33% | 1.01% |
| Q1 2025 | 14.08% | 14.08% | 15.06% | 9.40% | 1.23% |
| Q2 2025 | 13.99% | 13.99% | 14.96% | 9.59% | 2.17% |
| Q3 2025 | 15.03% | 15.03% | 16.01% | 9.98% | 2.28% |
| Q4 2025 | 15.61% | 15.61% | 16.67% | 10.57% | 1.53% |
| Q1 2026 | 15.60% | 15.60% | 16.63% | 11.06% | 1.87% |
| Q2 2026 | 16.09% | 16.09% | 17.12% | 11.41% | 2.37% |
Dysart State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dysart 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 Dysart State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17441) · FFIEC NIC profile (RSSD 602842)