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: 4676.86 percentage points higher than in Q1 2026, at 6094.32%. Within Iowa, Iowa State Bank is 64th of 225 on return on assets, 1.67% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Iowa State Bank sits 0.39 points higher, at 1.67% (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 | 11.72% |
| Equity capital to assets | 10.91% |
| Tangible equity to tangible assets | 10.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.40% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 6094.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 16.05% |
| Net interest margin | 3.61% |
| Efficiency ratio | 41.66% |
| Yield on earning assets | 5.75% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.61% |
| Core deposits to total deposits | 83.57% |
| Brokered deposits to total deposits | 6.34% |
| Deposits to assets | 69.45% |
| Securities to assets | 21.81% |
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 | 12.12% | 1.42% | 3.35% | 0.44% | -0.03% |
| Q4 2023 | 12.45% | 1.47% | 3.26% | 0.42% | 0.01% |
| Q1 2024 | 11.72% | 1.34% | 3.24% | 0.01% | -0.00% |
| Q2 2024 | 10.34% | 1.28% | 3.12% | 0.02% | 0.00% |
| Q3 2024 | 10.41% | 1.07% | 2.97% | 0.09% | 0.00% |
| Q4 2024 | 10.69% | 1.11% | 3.11% | 0.09% | 0.08% |
| Q1 2025 | 10.89% | 1.25% | 3.22% | 0.09% | 0.01% |
| Q2 2025 | 11.24% | 1.43% | 3.34% | 0.07% | 0.03% |
| Q3 2025 | 10.94% | 1.42% | 3.41% | 0.09% | 0.01% |
| Q4 2025 | 11.14% | 1.77% | 3.41% | 0.09% | 0.03% |
| Q1 2026 | 11.38% | 1.46% | 3.52% | 0.08% | -0.13% |
| Q2 2026 | 11.72% | 1.67% | 3.61% | 0.02% | -0.01% |
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 13953) · FFIEC NIC profile (RSSD 982348)