Principal 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.
Reserve coverage of non-performing loans climbed 11.44 percentage points in Q2 2026, from 45.36% to 56.81%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Principal Bank is 78th of 225 on return on assets, 1.59% as of Q2 2026. Principal Bank reported 1.59% on return on assets for Q2 2026, 0.32 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.91% |
| Tier 1 risk-based capital ratio | 14.91% |
| Total risk-based capital ratio | 15.07% |
| Tier 1 leverage ratio | 7.13% |
| Equity capital to assets | 5.02% |
| Tangible equity to tangible assets | 5.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.62% |
| Allowance for credit losses to loans | 0.25% |
| Reserve coverage of non-performing loans | 56.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 33.03% |
| Net interest margin | 2.35% |
| Efficiency ratio | 37.67% |
| Yield on earning assets | 3.99% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.32% |
| Core deposits to total deposits | 98.89% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 94.13% |
| Securities to assets | 63.09% |
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 | 17.82% | 17.82% | 17.96% | 8.44% | 1.96% |
| Q4 2023 | 18.03% | 18.03% | 18.16% | 8.37% | 0.31% |
| Q1 2024 | 18.05% | 18.05% | 18.22% | 8.22% | 1.33% |
| Q2 2024 | 17.87% | 17.87% | 18.05% | 7.97% | 0.99% |
| Q3 2024 | 17.24% | 17.24% | 17.39% | 7.69% | 1.04% |
| Q4 2024 | 16.19% | 16.19% | 16.32% | 7.41% | 1.90% |
| Q1 2025 | 16.15% | 16.15% | 16.32% | 7.40% | 1.01% |
| Q2 2025 | 16.09% | 16.09% | 16.31% | 7.27% | 0.98% |
| Q3 2025 | 15.76% | 15.76% | 15.99% | 7.09% | 1.13% |
| Q4 2025 | 15.46% | 15.46% | 15.65% | 7.22% | 1.56% |
| Q1 2026 | 15.24% | 15.24% | 15.38% | 7.22% | 1.66% |
| Q2 2026 | 14.91% | 14.91% | 15.07% | 7.13% | 1.59% |
Principal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Principal 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 Principal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34507) · FFIEC NIC profile (RSSD 2654911)