Raccoon Valley 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: 21.49 percentage points higher than in Q1 2026, at 222.89%. Within Iowa, Raccoon Valley Bank is 66th of 225 on return on assets, 1.66% as of Q2 2026, above the middle of the field. Raccoon Valley Bank reported 1.66% on return on assets for Q2 2026, 0.41 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.47% |
| Tier 1 risk-based capital ratio | 11.47% |
| Total risk-based capital ratio | 12.72% |
| Tier 1 leverage ratio | 9.57% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | -0.22% |
| Texas ratio | 5.47% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 222.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 17.90% |
| Net interest margin | 3.94% |
| Efficiency ratio | 54.93% |
| Yield on earning assets | 5.90% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.87% |
| Core deposits to total deposits | 78.20% |
| Brokered deposits to total deposits | 3.49% |
| Deposits to assets | 88.51% |
| Securities to assets | 15.16% |
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 | 10.88% | 10.88% | 11.99% | 9.21% | 1.25% |
| Q4 2023 | 10.54% | 10.54% | 11.74% | 8.94% | 0.56% |
| Q1 2024 | 11.18% | 11.18% | 12.43% | 8.90% | 0.89% |
| Q2 2024 | 11.17% | 11.17% | 12.42% | 9.23% | 0.91% |
| Q3 2024 | 11.13% | 11.13% | 12.38% | 9.45% | 0.74% |
| Q4 2024 | 11.73% | 11.73% | 12.98% | 9.43% | 0.59% |
| Q1 2025 | 11.87% | 11.87% | 13.12% | 9.25% | 0.90% |
| Q2 2025 | 11.91% | 11.91% | 13.11% | 9.30% | 1.08% |
| Q3 2025 | 11.17% | 11.17% | 12.36% | 9.56% | 1.15% |
| Q4 2025 | 10.91% | 10.91% | 12.13% | 9.12% | 0.17% |
| Q1 2026 | 11.17% | 11.17% | 12.42% | 9.43% | 1.57% |
| Q2 2026 | 11.47% | 11.47% | 12.72% | 9.57% | 1.66% |
Raccoon Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Raccoon Valley 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 Raccoon Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 245) · FFIEC NIC profile (RSSD 102342)