Janesville 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.
Loan-to-deposit ratio dropped 5.68 percentage points in Q2 2026, from 89.30% to 83.62%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Janesville State Bank is 100th of 221 on return on assets, 1.45% as of Q2 2026, above the middle of the field. Janesville State Bank reported 1.45% on return on assets for Q2 2026, 0.47 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.44% |
| Equity capital to assets | 10.85% |
| Tangible equity to tangible assets | 10.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 13.74% |
| Net interest margin | 3.53% |
| Efficiency ratio | 51.96% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.62% |
| Core deposits to total deposits | 85.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.09% |
| Securities to assets | 17.64% |
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 | 11.84% | 1.13% | 2.81% | 0.00% | 0.03% |
| Q4 2023 | 12.14% | 0.56% | 2.83% | 0.00% | 0.00% |
| Q1 2024 | 11.41% | 0.92% | 2.63% | 0.00% | 0.00% |
| Q2 2024 | 11.79% | 0.86% | 2.76% | 0.00% | 0.00% |
| Q3 2024 | 12.18% | 1.05% | 2.88% | 0.00% | 0.00% |
| Q4 2024 | 12.44% | 1.06% | 2.97% | 0.00% | 0.00% |
| Q1 2025 | 11.99% | 1.35% | 3.22% | 0.00% | 0.00% |
| Q2 2025 | 12.42% | 1.45% | 3.48% | 0.00% | 0.00% |
| Q3 2025 | 12.44% | 1.59% | 3.40% | 0.00% | 0.00% |
| Q4 2025 | 12.41% | 1.31% | 3.51% | 0.00% | 0.00% |
| Q1 2026 | 11.66% | 1.60% | 3.53% | 0.00% | 0.00% |
| Q2 2026 | 11.44% | 1.45% | 3.53% | 0.00% | 0.00% |
Janesville State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Janesville 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 Janesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10960) · FFIEC NIC profile (RSSD 88259)