Maxwell 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 Reserve coverage of non-performing loans: 38.52 percentage points higher than in Q1 2026, at 119.77%. On return on assets, Maxwell State Bank is 1st from the bottom among 225 Iowa banks, -6.54% (Q2 2026). Against a median of 1.00% for banks in the < $100M asset tier, Maxwell State Bank reported -6.54% on return on assets in Q2 2026, 7.54 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.06% |
| Tier 1 risk-based capital ratio | 22.06% |
| Total risk-based capital ratio | 23.06% |
| Tier 1 leverage ratio | 15.45% |
| Equity capital to assets | 14.17% |
| Tangible equity to tangible assets | 14.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.40% |
| Texas ratio | 3.66% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 119.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -6.54% |
| Return on equity | -48.86% |
| Net interest margin | 3.74% |
| Efficiency ratio | 203.55% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.67% |
| Core deposits to total deposits | 93.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.12% |
| Securities to assets | 20.84% |
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 | 12.40% | 12.40% | 12.80% | 10.05% | -1.39% |
| Q4 2023 | 11.59% | 11.59% | 11.99% | 9.75% | -1.55% |
| Q1 2024 | 11.88% | 11.88% | 12.30% | 10.00% | -1.29% |
| Q2 2024 | 10.84% | 10.84% | 11.23% | 9.44% | -0.92% |
| Q3 2024 | 12.37% | 12.37% | 13.06% | 8.60% | -32.75% |
| Q4 2024 | 12.31% | 12.31% | 13.01% | 8.41% | -1.28% |
| Q1 2025 | 18.54% | 18.54% | 19.26% | 12.99% | -1.05% |
| Q2 2025 | 18.16% | 18.16% | 18.88% | 11.63% | -0.84% |
| Q3 2025 | 25.66% | 25.66% | 26.17% | 14.40% | -3.18% |
| Q4 2025 | 20.17% | 20.17% | 20.59% | 13.87% | -2.48% |
| Q1 2026 | 17.66% | 17.66% | 18.39% | 11.83% | -3.21% |
| Q2 2026 | 22.06% | 22.06% | 23.06% | 15.45% | -6.54% |
Maxwell State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Maxwell 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 Maxwell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15930) · FFIEC NIC profile (RSSD 694146)