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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 555.61 percentage points higher than in Q1 2026, at 1324.84%. Iowa State Bank ranks 26th of 225 Iowa banks on return on assets, in the upper half at 2.14% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Iowa State Bank reported 2.14% on return on assets in Q2 2026, 0.89 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.92% |
| Equity capital to assets | 14.68% |
| Tangible equity to tangible assets | 14.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 1324.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 14.15% |
| Net interest margin | 3.74% |
| Efficiency ratio | 56.26% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.56% |
| Core deposits to total deposits | 95.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.57% |
| Securities to assets | 30.65% |
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 | 14.91% | 1.75% | 3.14% | 0.21% | 0.00% |
| Q4 2023 | 15.33% | 1.49% | 3.12% | 0.20% | 0.00% |
| Q1 2024 | 15.49% | 0.93% | 3.01% | 0.20% | 0.00% |
| Q2 2024 | 15.42% | 1.38% | 3.08% | 0.19% | 0.00% |
| Q3 2024 | 15.67% | 1.36% | 3.13% | 0.19% | 0.00% |
| Q4 2024 | 15.61% | 1.63% | 3.11% | 0.18% | 0.00% |
| Q1 2025 | 15.83% | 1.70% | 3.16% | 0.16% | 0.00% |
| Q2 2025 | 15.54% | 1.73% | 3.38% | 0.12% | 0.00% |
| Q3 2025 | 15.31% | 1.96% | 3.60% | 0.03% | 0.00% |
| Q4 2025 | 15.46% | 1.73% | 3.73% | 0.10% | 0.00% |
| Q1 2026 | 15.54% | 1.45% | 3.57% | 0.10% | 0.00% |
| Q2 2026 | 15.92% | 2.14% | 3.74% | 0.06% | 0.00% |
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 15808) · FFIEC NIC profile (RSSD 662949)