First Iowa 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.07 percentage points higher than in Q1 2026, at 78.00%. On return on assets, First Iowa State Bank ranks 15th highest among the 225 banks headquartered in Iowa, at 2.28% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Iowa State Bank reported 2.28% on return on assets in Q2 2026, 1.02 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 8.68% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.24% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 17.47% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | 78.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.28% |
| Return on equity | 26.95% |
| Net interest margin | 4.87% |
| Efficiency ratio | 44.32% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.65% |
| Core deposits to total deposits | 88.85% |
| Brokered deposits to total deposits | 5.57% |
| Deposits to assets | 90.62% |
| Securities to assets | 20.44% |
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 | 11.11% | 1.90% | 4.18% | 0.25% | -0.01% |
| Q4 2023 | 10.15% | 1.79% | 4.06% | 0.16% | 0.25% |
| Q1 2024 | 10.31% | 1.51% | 4.01% | 0.30% | -0.00% |
| Q2 2024 | 10.74% | 1.94% | 4.11% | 0.29% | 0.14% |
| Q3 2024 | 10.87% | 1.98% | 4.06% | 0.28% | -0.02% |
| Q4 2024 | 9.69% | 1.79% | 4.22% | 0.26% | 0.33% |
| Q1 2025 | 9.99% | 2.16% | 4.23% | 0.28% | 0.01% |
| Q2 2025 | 10.36% | 1.46% | 4.46% | 1.52% | 0.23% |
| Q3 2025 | 10.06% | 2.03% | 4.65% | 1.48% | -0.01% |
| Q4 2025 | 9.61% | 1.71% | 4.84% | 1.41% | -0.00% |
| Q1 2026 | 9.77% | 1.79% | 4.43% | 2.32% | 1.50% |
| Q2 2026 | 10.20% | 2.28% | 4.87% | 2.24% | -0.01% |
First Iowa State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Iowa 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 First Iowa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14930) · FFIEC NIC profile (RSSD 787842)