Icon Business 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: 19.52 percentage points higher than in Q1 2026, at 403.90%. Icon Business Bank has the 8th lowest return on assets of the 114 banks headquartered in California, at -0.87% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Icon Business Bank reported -0.87% on return on assets in Q2 2026, 2.12 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.94% |
| Equity capital to assets | 11.94% |
| Tangible equity to tangible assets | 11.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 1.79% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 403.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.87% |
| Return on equity | -7.80% |
| Net interest margin | 4.27% |
| Efficiency ratio | 117.15% |
| Yield on earning assets | 6.72% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.01% |
| Core deposits to total deposits | 98.26% |
| Brokered deposits to total deposits | 0.70% |
| Deposits to assets | 83.08% |
| Securities to assets | 4.36% |
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 | 77.36% | — | — | 0.00% | — |
| Q4 2023 | 62.80% | -18.58% | 5.48% | 0.00% | 0.00% |
| Q1 2024 | 50.04% | -13.67% | 5.17% | 0.06% | 0.32% |
| Q2 2024 | 35.19% | -10.89% | 4.73% | 0.00% | 0.84% |
| Q3 2024 | 26.08% | -9.83% | 4.21% | 0.00% | 0.37% |
| Q4 2024 | 18.98% | -7.07% | 4.55% | 0.00% | 0.56% |
| Q1 2025 | 14.33% | -4.89% | 3.89% | 0.03% | 0.39% |
| Q2 2025 | 10.60% | -4.57% | 3.60% | 0.04% | 0.41% |
| Q3 2025 | 8.65% | -3.08% | 3.97% | 0.07% | 0.60% |
| Q4 2025 | 8.10% | -0.89% | 4.34% | 0.17% | 0.53% |
| Q1 2026 | 10.73% | -0.90% | 4.44% | 0.31% | -0.16% |
| Q2 2026 | 11.94% | -0.87% | 4.27% | 0.29% | 0.30% |
Icon Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Icon Business 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 Icon Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59314) · FFIEC NIC profile (RSSD 5805228)