Iowa State Savings 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: 11.78 percentage points higher than in Q1 2026, at 745.02%. Within Iowa, Iowa State Savings Bank is 125th of 225 on return on assets, 1.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Iowa State Savings Bank sits 0.05 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 9.40% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.24% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 745.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 13.81% |
| Net interest margin | 3.73% |
| Efficiency ratio | 53.29% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.68% |
| Core deposits to total deposits | 94.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.05% |
| Securities to assets | 33.09% |
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 | 14.99% | 14.99% | 16.18% | 9.85% | 0.67% |
| Q4 2023 | 14.48% | 14.48% | 15.70% | 9.62% | 0.63% |
| Q1 2024 | 14.81% | 14.81% | 16.05% | 9.49% | 0.91% |
| Q2 2024 | 14.41% | 14.41% | 15.65% | 9.48% | 0.77% |
| Q3 2024 | 14.40% | 14.40% | 15.65% | 9.80% | 0.73% |
| Q4 2024 | 13.87% | 13.87% | 15.12% | 9.45% | 0.64% |
| Q1 2025 | 14.64% | 14.64% | 15.89% | 9.10% | 1.15% |
| Q2 2025 | 15.31% | 15.31% | 16.56% | 9.09% | 1.12% |
| Q3 2025 | 15.39% | 15.39% | 16.64% | 9.17% | 0.88% |
| Q4 2025 | 14.56% | 14.56% | 15.81% | 9.27% | 0.94% |
| Q1 2026 | 15.32% | 15.32% | 16.58% | 9.32% | 1.46% |
| Q2 2026 | 15.24% | 15.24% | 16.49% | 9.40% | 1.31% |
Iowa State Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa State Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8751) · FFIEC NIC profile (RSSD 869346)