Iowa State Bank and Trust Company: 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: 86.94 percentage points higher than in Q1 2026, at 1193.78%. Iowa State Bank and Trust Company ranks 135th of 225 Iowa banks on return on assets, in the lower half at 1.27% (Q2 2026). At 1.27%, Iowa State Bank and Trust Company's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.90% |
| Tier 1 risk-based capital ratio | 10.90% |
| Total risk-based capital ratio | 11.97% |
| Tier 1 leverage ratio | 8.01% |
| Equity capital to assets | 7.83% |
| Tangible equity to tangible assets | 7.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.80% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 1193.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 16.24% |
| Net interest margin | 3.52% |
| Efficiency ratio | 50.16% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.21% |
| Core deposits to total deposits | 86.90% |
| Brokered deposits to total deposits | 2.08% |
| Deposits to assets | 85.47% |
| Securities to assets | 18.49% |
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 | 11.11% | 11.11% | 12.03% | 8.67% | 0.72% |
| Q4 2023 | 11.01% | 11.01% | 11.94% | 8.55% | 0.67% |
| Q1 2024 | 10.75% | 10.75% | 11.70% | 8.36% | 0.84% |
| Q2 2024 | 10.69% | 10.69% | 11.64% | 8.00% | 0.73% |
| Q3 2024 | 10.81% | 10.81% | 11.79% | 8.18% | 0.69% |
| Q4 2024 | 10.55% | 10.55% | 11.52% | 8.16% | 0.71% |
| Q1 2025 | 10.49% | 10.49% | 11.48% | 8.14% | 0.90% |
| Q2 2025 | 10.68% | 10.68% | 11.65% | 8.00% | 0.85% |
| Q3 2025 | 11.07% | 11.07% | 12.00% | 8.25% | 1.04% |
| Q4 2025 | 11.00% | 11.00% | 12.03% | 8.04% | 1.24% |
| Q1 2026 | 10.80% | 10.80% | 11.85% | 8.19% | 1.20% |
| Q2 2026 | 10.90% | 10.90% | 11.97% | 8.01% | 1.27% |
Iowa State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14413) · FFIEC NIC profile (RSSD 651541)