The Iuka 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 Brokered deposits to total deposits: 4.90 percentage points higher than in Q1 2026, at 20.18%. On return on assets, The Iuka State Bank is 8th from the bottom among 323 Illinois banks, -0.72% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Iuka State Bank reported -0.72% on return on assets in Q2 2026, 1.97 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.98% |
| Non-performing assets ratio | 6.90% |
| Net charge-off ratio | 2.52% |
| Texas ratio | 57.09% |
| Allowance for credit losses to loans | 3.02% |
| Reserve coverage of non-performing loans | 37.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.72% |
| Return on equity | -7.50% |
| Net interest margin | 4.80% |
| Efficiency ratio | 71.92% |
| Yield on earning assets | 6.91% |
| Cost of funds | 2.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.02% |
| Core deposits to total deposits | 75.17% |
| Brokered deposits to total deposits | 20.18% |
| Deposits to assets | 84.64% |
| Securities to assets | 8.88% |
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 | 9.72% | 0.74% | 4.38% | 1.45% | 0.62% |
| Q4 2023 | 9.67% | 1.09% | 4.54% | 2.23% | 0.23% |
| Q1 2024 | 9.79% | 0.77% | 4.66% | 2.20% | 0.38% |
| Q2 2024 | 10.15% | 0.65% | 4.45% | 2.18% | 0.05% |
| Q3 2024 | 10.13% | 0.26% | 4.65% | 0.76% | 3.00% |
| Q4 2024 | 10.33% | 1.20% | 4.78% | 0.74% | 0.09% |
| Q1 2025 | 10.40% | 0.84% | 4.73% | 2.33% | 0.71% |
| Q2 2025 | 10.77% | 1.47% | 4.80% | 2.39% | 0.10% |
| Q3 2025 | 10.55% | 0.00% | 4.85% | 2.60% | 0.11% |
| Q4 2025 | 9.47% | -3.51% | 3.88% | 5.19% | 0.68% |
| Q1 2026 | 9.96% | 0.83% | 4.23% | 7.25% | 1.00% |
| Q2 2026 | 10.25% | -0.72% | 4.80% | 7.98% | 2.52% |
The Iuka State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Iuka 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 The Iuka State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11317) · FFIEC NIC profile (RSSD 233442)