First National Bank of Waterloo: 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: 7.62 percentage points lower than in Q1 2026, at 82.88%. Within Illinois, First National Bank of Waterloo is 202nd of 323 on return on assets, 1.01% as of Q2 2026, below the middle of the field. First National Bank of Waterloo reported 1.01% on return on assets for Q2 2026, 0.24 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 9.21% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 8.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.88% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 12.17% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 82.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 10.70% |
| Net interest margin | 3.50% |
| Efficiency ratio | 61.16% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.35% |
| Core deposits to total deposits | 92.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.89% |
| Securities to assets | 29.38% |
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 | 12.49% | 12.49% | 13.59% | 8.23% | 0.77% |
| Q4 2023 | 12.51% | 12.51% | 13.64% | 8.28% | 0.50% |
| Q1 2024 | 12.43% | 12.43% | 13.59% | 8.28% | 0.35% |
| Q2 2024 | 12.62% | 12.62% | 13.84% | 8.42% | 0.43% |
| Q3 2024 | 12.78% | 12.78% | 14.02% | 8.57% | 0.30% |
| Q4 2024 | 12.55% | 12.55% | 13.79% | 8.46% | 0.62% |
| Q1 2025 | 12.33% | 12.33% | 13.58% | 8.64% | 0.53% |
| Q2 2025 | 12.56% | 12.56% | 13.81% | 8.75% | 0.67% |
| Q3 2025 | 13.04% | 13.04% | 14.29% | 8.91% | 0.66% |
| Q4 2025 | 12.42% | 12.42% | 13.67% | 8.93% | 0.50% |
| Q1 2026 | 12.56% | 12.56% | 13.81% | 9.03% | 0.88% |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 9.21% | 1.01% |
First National Bank of Waterloo vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Waterloo, 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 National Bank of Waterloo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3842) · FFIEC NIC profile (RSSD 145545)