Keystone 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.
Loan-to-deposit ratio climbed 6.72 percentage points in Q2 2026, from 67.93% to 74.65%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Keystone Savings Bank is 17th from the bottom among 225 Iowa banks, 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Keystone Savings Bank sits 0.59 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.37% |
| Tier 1 risk-based capital ratio | 15.37% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 11.29% |
| Equity capital to assets | 10.41% |
| Tangible equity to tangible assets | 10.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.91% |
| Non-performing assets ratio | 1.20% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 11.05% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 65.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 6.44% |
| Net interest margin | 3.45% |
| Efficiency ratio | 72.96% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.65% |
| Core deposits to total deposits | 87.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.02% |
| Securities to assets | 31.85% |
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 | 15.79% | 15.79% | 16.67% | 11.82% | 0.84% |
| Q4 2023 | 15.87% | 15.87% | 16.74% | 12.11% | 0.75% |
| Q1 2024 | 16.30% | 16.30% | 17.26% | 12.16% | 0.60% |
| Q2 2024 | 15.90% | 15.90% | 16.85% | 11.90% | 0.54% |
| Q3 2024 | 15.91% | 15.91% | 16.85% | 12.34% | 0.82% |
| Q4 2024 | 16.56% | 16.56% | 17.53% | 12.23% | 0.67% |
| Q1 2025 | 16.41% | 16.41% | 17.42% | 12.24% | 0.92% |
| Q2 2025 | 15.93% | 15.93% | 16.90% | 11.50% | 0.66% |
| Q3 2025 | 15.75% | 15.75% | 16.74% | 11.66% | 0.85% |
| Q4 2025 | 15.88% | 15.88% | 16.88% | 11.40% | 0.38% |
| Q1 2026 | 15.88% | 15.88% | 17.02% | 11.75% | 0.34% |
| Q2 2026 | 15.37% | 15.37% | 16.47% | 11.29% | 0.66% |
Keystone Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Keystone 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 Keystone Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17993) · FFIEC NIC profile (RSSD 931944)