First 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 climbed 29.43 percentage points in Q2 2026, from 950.43% to 979.86%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Bank is 75th of 225 on return on assets, 1.60% as of Q2 2026, above the middle of the field. First Bank reported 1.60% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.38% |
| Tier 1 risk-based capital ratio | 17.38% |
| Total risk-based capital ratio | 18.63% |
| Tier 1 leverage ratio | 12.72% |
| Equity capital to assets | 13.05% |
| Tangible equity to tangible assets | 12.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.37% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 979.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 12.57% |
| Net interest margin | 3.80% |
| Efficiency ratio | 47.03% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.15% |
| Core deposits to total deposits | 91.82% |
| Brokered deposits to total deposits | 0.81% |
| Deposits to assets | 83.76% |
| Securities to assets | 18.18% |
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 | 16.60% | 16.60% | 17.76% | 10.80% | 0.70% |
| Q4 2023 | 16.74% | 16.74% | 17.88% | 10.83% | 0.91% |
| Q1 2024 | 16.26% | 16.26% | 17.38% | 11.06% | 0.65% |
| Q2 2024 | 16.53% | 16.53% | 17.67% | 11.08% | 0.98% |
| Q3 2024 | 16.53% | 16.53% | 17.68% | 11.20% | 0.98% |
| Q4 2024 | 16.48% | 16.48% | 17.64% | 11.19% | 1.08% |
| Q1 2025 | 16.41% | 16.41% | 17.56% | 11.43% | 1.01% |
| Q2 2025 | 16.88% | 16.88% | 18.07% | 11.73% | 1.34% |
| Q3 2025 | 16.73% | 16.73% | 17.92% | 11.99% | 1.31% |
| Q4 2025 | 17.04% | 17.04% | 18.29% | 12.15% | 1.28% |
| Q1 2026 | 16.95% | 16.95% | 18.19% | 12.48% | 1.46% |
| Q2 2026 | 17.38% | 17.38% | 18.63% | 12.72% | 1.60% |
First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4519) · FFIEC NIC profile (RSSD 376442)