Iowa Trust & 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.
Reserve coverage of non-performing loans climbed 2798.36 percentage points in Q2 2026, from 555.24% to 3353.59%. It was the largest change from Q1 2026 among the key lines here. Iowa Trust & Savings Bank has the 20th lowest return on assets of the 225 banks headquartered in Iowa, at 0.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Iowa Trust & Savings Bank sits 0.52 points lower, at 0.74% (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 | 10.82% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 10.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.66% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 3353.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 6.46% |
| Net interest margin | 3.66% |
| Efficiency ratio | 74.78% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.67% |
| Core deposits to total deposits | 84.10% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 75.94% |
| Securities to assets | 18.64% |
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 | 11.99% | 11.99% | 12.88% | 10.57% | 0.72% |
| Q4 2023 | 10.82% | 10.82% | 12.08% | 9.56% | 0.91% |
| Q1 2024 | 10.12% | 10.12% | 11.37% | 9.47% | 0.60% |
| Q2 2024 | 10.86% | 10.86% | 12.12% | 9.43% | 0.76% |
| Q3 2024 | 10.74% | 10.74% | 11.99% | 9.74% | 0.49% |
| Q4 2024 | 10.92% | 10.92% | 12.14% | 9.53% | 0.82% |
| Q1 2025 | 11.32% | 11.32% | 12.54% | 9.82% | 0.78% |
| Q2 2025 | 12.07% | 12.07% | 13.32% | 10.22% | 2.25% |
| Q3 2025 | 12.55% | 12.55% | 13.80% | 10.66% | 0.65% |
| Q4 2025 | 12.98% | 12.98% | 14.24% | 10.65% | 1.05% |
| Q1 2026 | 12.66% | 12.66% | 13.87% | 10.84% | 0.77% |
| Q2 2026 | — | — | — | 10.82% | 0.74% |
Iowa Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Trust & 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18400) · FFIEC NIC profile (RSSD 649342)