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: 223.99 percentage points lower than in Q1 2026, at 870.88%. Iowa State Bank ranks 138th of 225 Iowa banks on return on assets, in the lower half at 1.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Iowa State Bank reported 1.24% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.83% |
| Tier 1 risk-based capital ratio | 15.83% |
| Total risk-based capital ratio | 17.05% |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 9.10% |
| Tangible equity to tangible assets | 8.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.07% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 870.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 14.25% |
| Net interest margin | 3.23% |
| Efficiency ratio | 54.82% |
| Yield on earning assets | 5.28% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.25% |
| Core deposits to total deposits | 80.45% |
| Brokered deposits to total deposits | 10.05% |
| Deposits to assets | 80.49% |
| Securities to assets | 24.92% |
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 | 16.22% | 16.22% | 17.47% | 10.69% | 0.73% |
| Q4 2023 | 15.49% | 15.49% | 16.72% | 10.62% | 0.51% |
| Q1 2024 | 15.49% | 15.49% | 16.72% | 10.38% | 0.46% |
| Q2 2024 | 15.35% | 15.35% | 16.56% | 10.40% | 0.65% |
| Q3 2024 | 15.24% | 15.24% | 16.43% | 10.40% | 0.63% |
| Q4 2024 | 15.59% | 15.59% | 16.80% | 10.61% | 0.67% |
| Q1 2025 | 15.72% | 15.72% | 16.94% | 10.81% | 0.59% |
| Q2 2025 | 15.54% | 15.54% | 16.77% | 10.94% | 0.85% |
| Q3 2025 | 15.43% | 15.43% | 16.64% | 10.95% | 0.94% |
| Q4 2025 | 15.73% | 15.73% | 16.95% | 11.02% | 0.75% |
| Q1 2026 | 15.69% | 15.69% | 16.91% | 11.04% | 0.92% |
| Q2 2026 | 15.83% | 15.83% | 17.05% | 11.17% | 1.24% |
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 950) · FFIEC NIC profile (RSSD 734248)