Federation 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: 3.69 percentage points lower than in Q1 2026, at 667.58%. Federation Bank ranks 96th of 225 Iowa banks on return on assets, in the upper half at 1.50% (Q2 2026). Federation Bank reported 1.50% on return on assets for Q2 2026, 0.24 points above the 1.25% median for banks in the $100M-1B 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 | 10.49% |
| Equity capital to assets | 9.38% |
| Tangible equity to tangible assets | 8.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.23% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 667.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 15.66% |
| Net interest margin | 3.98% |
| Efficiency ratio | 60.62% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.94% |
| Core deposits to total deposits | 95.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.88% |
| Securities to assets | 32.85% |
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 | 9.10% | 0.77% | 3.32% | 1.50% | 0.02% |
| Q4 2023 | 9.10% | 0.72% | 3.38% | 1.40% | 0.02% |
| Q1 2024 | 9.72% | 0.70% | 3.33% | 1.33% | -0.01% |
| Q2 2024 | 9.84% | 1.16% | 3.80% | 0.49% | -0.18% |
| Q3 2024 | 9.86% | 0.84% | 3.43% | 0.51% | 0.01% |
| Q4 2024 | 9.59% | 0.53% | 3.63% | 0.41% | 0.00% |
| Q1 2025 | 9.66% | 0.82% | 3.57% | 0.37% | -0.02% |
| Q2 2025 | 9.80% | 1.11% | 3.75% | 0.60% | -0.01% |
| Q3 2025 | 10.07% | 1.19% | 3.86% | 0.38% | 0.00% |
| Q4 2025 | 10.01% | 1.25% | 3.94% | 0.28% | 0.01% |
| Q1 2026 | 10.52% | 2.12% | 4.80% | 0.22% | -0.13% |
| Q2 2026 | 10.49% | 1.50% | 3.98% | 0.22% | 0.00% |
Federation Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Federation 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 Federation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14352) · FFIEC NIC profile (RSSD 764142)