PCSB 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 2.57 percentage points in Q2 2026, from 58.45% to 61.02%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, PCSB Bank is 189th of 225 on return on assets, 0.90% as of Q2 2026. PCSB Bank reported 0.90% on return on assets for Q2 2026, 0.35 points below the 1.26% median for banks in the $100M-1B 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 | 11.09% |
| Equity capital to assets | 9.33% |
| Tangible equity to tangible assets | 9.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 1.37% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 1254.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 10.23% |
| Net interest margin | 3.02% |
| Efficiency ratio | 67.92% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.02% |
| Core deposits to total deposits | 90.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.17% |
| Securities to assets | 31.13% |
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 | 10.83% | 0.55% | 2.56% | 0.24% | -0.04% |
| Q4 2023 | 10.93% | 0.38% | 2.42% | 0.19% | 0.07% |
| Q1 2024 | 10.95% | 0.54% | 2.61% | 0.39% | 0.03% |
| Q2 2024 | 10.86% | 0.63% | 2.48% | 0.45% | 0.09% |
| Q3 2024 | 10.43% | 0.49% | 2.53% | 0.51% | 0.01% |
| Q4 2024 | 10.40% | 0.66% | 2.72% | 0.19% | 0.20% |
| Q1 2025 | 10.50% | 0.69% | 2.63% | 0.08% | 0.45% |
| Q2 2025 | 10.69% | 0.61% | 2.73% | 0.51% | -0.06% |
| Q3 2025 | 10.92% | 0.70% | 2.84% | 0.45% | 0.00% |
| Q4 2025 | 10.81% | 0.83% | 2.94% | 0.01% | 0.03% |
| Q1 2026 | 11.11% | 0.90% | 2.98% | 0.07% | 0.09% |
| Q2 2026 | 11.09% | 0.90% | 3.02% | 0.09% | -0.05% |
PCSB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PCSB 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 PCSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14522) · FFIEC NIC profile (RSSD 188449)