First Trust and Savings 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: 10.24 percentage points higher than in Q1 2026, at 85.31%. First Trust and Savings Bank ranks 72nd of 225 Iowa banks on return on assets, in the upper half at 1.60% (Q2 2026). First Trust and Savings Bank reported 1.60% on return on assets for Q2 2026, 0.35 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 | 10.70% |
| Equity capital to assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 1.24% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 24.93% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 85.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 15.30% |
| Net interest margin | 3.96% |
| Efficiency ratio | 56.50% |
| Yield on earning assets | 6.21% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.02% |
| Core deposits to total deposits | 89.50% |
| Brokered deposits to total deposits | 4.35% |
| Deposits to assets | 84.71% |
| Securities to assets | 7.97% |
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 | 10.58% | 1.17% | 3.72% | 1.11% | 0.14% |
| Q4 2023 | 10.78% | 1.19% | 3.67% | 1.04% | 0.02% |
| Q1 2024 | 10.53% | 1.27% | 3.65% | 0.96% | 0.06% |
| Q2 2024 | 10.39% | 1.27% | 3.67% | 0.95% | 0.05% |
| Q3 2024 | 10.44% | 1.37% | 3.87% | 0.91% | -0.01% |
| Q4 2024 | 10.53% | 1.12% | 3.78% | 1.46% | 0.21% |
| Q1 2025 | 10.55% | 1.22% | 3.79% | 1.46% | 0.01% |
| Q2 2025 | 10.61% | 1.40% | 4.02% | 1.43% | 0.01% |
| Q3 2025 | 10.64% | 1.43% | 4.15% | 1.17% | 0.35% |
| Q4 2025 | 10.52% | 0.68% | 4.02% | 1.86% | 0.84% |
| Q1 2026 | 10.49% | 1.53% | 4.04% | 1.60% | -0.00% |
| Q2 2026 | 10.70% | 1.60% | 3.96% | 1.44% | 0.03% |
First Trust and Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust and Savings 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8752) · FFIEC NIC profile (RSSD 640442)