The National Iron 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 2.48 percentage points in Q2 2026, from 87.58% to 90.06%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, The National Iron Bank is 13th of 27 on return on assets, 0.93% as of Q2 2026, above the middle of the field. The National Iron Bank reported 0.93% on return on assets for Q2 2026, 0.32 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.00% |
| Tier 1 risk-based capital ratio | 16.00% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 8.48% |
| Equity capital to assets | 8.18% |
| Tangible equity to tangible assets | 8.18% |
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 | 0.49% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 11.63% |
| Net interest margin | 3.05% |
| Efficiency ratio | 67.97% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Core deposits to total deposits | 94.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.64% |
| Securities to assets | 13.92% |
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 | 15.10% | 15.10% | 15.73% | 8.61% | 0.32% |
| Q4 2023 | 15.41% | 15.41% | 16.09% | 8.49% | 0.27% |
| Q1 2024 | 16.48% | 16.48% | 17.19% | 8.48% | 0.24% |
| Q2 2024 | 16.76% | 16.76% | 17.48% | 8.52% | 0.33% |
| Q3 2024 | 16.55% | 16.55% | 17.26% | 8.64% | 0.40% |
| Q4 2024 | 16.57% | 16.57% | 17.28% | 8.81% | 0.60% |
| Q1 2025 | 16.72% | 16.72% | 17.45% | 8.86% | 0.45% |
| Q2 2025 | 16.56% | 16.56% | 17.35% | 8.81% | 0.98% |
| Q3 2025 | 16.31% | 16.31% | 17.10% | 8.49% | 0.51% |
| Q4 2025 | 15.97% | 15.97% | 16.77% | 8.29% | 0.31% |
| Q1 2026 | 16.02% | 16.02% | 16.85% | 8.38% | 0.74% |
| Q2 2026 | 16.00% | 16.00% | 16.83% | 8.48% | 0.93% |
The National Iron Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Iron 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 National Iron Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2496) · FFIEC NIC profile (RSSD 1008209)