I3 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 353.27 percentage points in Q2 2026, from 80.24% to 433.51%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, I3 Bank is 117th of 138 on return on assets, 0.83% as of Q2 2026, below the middle of the field. I3 Bank reported 0.83% on return on assets for Q2 2026, 0.42 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.53% |
| Tier 1 risk-based capital ratio | 10.53% |
| Total risk-based capital ratio | 11.76% |
| Tier 1 leverage ratio | 8.80% |
| Equity capital to assets | 8.10% |
| Tangible equity to tangible assets | 7.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 1.28% |
| Texas ratio | 2.77% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 433.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 10.67% |
| Net interest margin | 4.61% |
| Efficiency ratio | 64.83% |
| Yield on earning assets | 7.07% |
| Cost of funds | 3.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.41% |
| Core deposits to total deposits | 84.05% |
| Brokered deposits to total deposits | 12.30% |
| Deposits to assets | 86.81% |
| Securities to assets | 14.63% |
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 | 11.28% | 11.28% | 12.53% | 10.17% | 0.67% |
| Q4 2023 | 10.93% | 10.93% | 12.19% | 9.98% | 0.71% |
| Q1 2024 | 12.28% | 12.28% | 13.53% | 10.82% | 4.77% |
| Q2 2024 | 12.08% | 12.08% | 13.33% | 10.52% | -0.42% |
| Q3 2024 | 11.52% | 11.52% | 12.77% | 9.83% | 0.17% |
| Q4 2024 | 10.95% | 10.95% | 12.20% | 10.08% | -0.22% |
| Q1 2025 | 11.22% | 11.22% | 12.47% | 9.75% | 0.46% |
| Q2 2025 | 11.32% | 11.32% | 12.54% | 9.80% | 0.61% |
| Q3 2025 | 10.39% | 10.39% | 11.64% | 9.63% | 0.37% |
| Q4 2025 | 10.55% | 10.55% | 11.80% | 9.45% | 0.97% |
| Q1 2026 | 10.08% | 10.08% | 11.33% | 9.11% | 0.99% |
| Q2 2026 | 10.53% | 10.53% | 11.76% | 8.80% | 0.83% |
I3 Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock I3 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 I3 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8595) · FFIEC NIC profile (RSSD 348159)