Pocahontas 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 climbed 7.56 percentage points in Q2 2026, from 46.27% to 53.83%. It was the largest change from Q1 2026 among the key lines here. Pocahontas State Bank has the 6th lowest return on assets of the 225 banks headquartered in Iowa, at -0.89% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Pocahontas State Bank reported -0.89% on return on assets in Q2 2026, 2.15 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.35% |
| Equity capital to assets | 27.81% |
| Tangible equity to tangible assets | 26.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.93% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 2.65% |
| Allowance for credit losses to loans | 2.16% |
| Reserve coverage of non-performing loans | 112.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.89% |
| Return on equity | -3.25% |
| Net interest margin | 1.93% |
| Efficiency ratio | 30.30% |
| Yield on earning assets | 3.45% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.83% |
| Core deposits to total deposits | 85.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.76% |
| Securities to assets | 59.61% |
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 | 24.91% | 1.30% | 2.66% | 0.83% | -0.02% |
| Q4 2023 | 25.66% | 0.14% | 2.02% | 0.88% | 2.58% |
| Q1 2024 | 25.79% | 1.38% | 2.68% | 0.86% | -0.01% |
| Q2 2024 | 25.83% | 1.28% | 2.58% | 0.81% | 0.00% |
| Q3 2024 | 26.62% | 1.36% | 2.72% | 0.56% | 0.00% |
| Q4 2024 | 24.97% | 1.25% | 2.65% | 0.55% | -0.01% |
| Q1 2025 | 25.78% | 1.56% | 2.98% | 0.00% | 0.16% |
| Q2 2025 | 26.87% | 1.57% | 3.10% | 0.00% | 0.00% |
| Q3 2025 | 27.03% | 1.72% | 3.24% | 0.00% | 0.01% |
| Q4 2025 | 26.63% | 1.61% | 3.29% | 0.00% | 0.00% |
| Q1 2026 | 26.72% | 1.90% | 3.51% | 0.00% | -0.01% |
| Q2 2026 | 26.35% | -0.89% | 1.93% | 1.93% | 0.35% |
Pocahontas State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pocahontas 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 Pocahontas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 234) · FFIEC NIC profile (RSSD 402846)