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.
Reserve coverage of non-performing loans dropped 885.64 percentage points in Q2 2026, from 971.68% to 86.04%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Iowa State Bank is 137th of 225 on return on assets, 1.26% as of Q2 2026. At 1.26%, Iowa State Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.53% |
| Equity capital to assets | 11.65% |
| Tangible equity to tangible assets | 11.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.84% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | 0.89% |
| Texas ratio | 13.54% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 86.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 10.95% |
| Net interest margin | 3.02% |
| Efficiency ratio | 55.44% |
| Yield on earning assets | 5.18% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.73% |
| Core deposits to total deposits | 90.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.88% |
| Securities to assets | 19.22% |
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 | 10.79% | 1.59% | 2.98% | 0.48% | 0.01% |
| Q4 2023 | 10.83% | 1.35% | 2.83% | 0.63% | 0.04% |
| Q1 2024 | 10.81% | 1.23% | 2.66% | 0.67% | 0.00% |
| Q2 2024 | 11.12% | 1.50% | 2.89% | 0.63% | 0.00% |
| Q3 2024 | 11.28% | 1.40% | 2.95% | 0.62% | 0.00% |
| Q4 2024 | 11.36% | 1.42% | 2.99% | 0.61% | 0.03% |
| Q1 2025 | 11.35% | 1.41% | 2.95% | 0.62% | 0.00% |
| Q2 2025 | 11.50% | 1.85% | 3.37% | 0.21% | -0.04% |
| Q3 2025 | 11.79% | 1.93% | 3.44% | 0.19% | 0.00% |
| Q4 2025 | 11.76% | 1.74% | 3.40% | 0.17% | 0.00% |
| Q1 2026 | 11.63% | 1.67% | 3.25% | 0.17% | 0.02% |
| Q2 2026 | 11.53% | 1.26% | 3.02% | 1.84% | 0.89% |
Iowa State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Iowa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10497) · FFIEC NIC profile (RSSD 298049)