The Readlyn Savings 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 Non-performing loans to loans: 3.04 percentage points higher than in Q1 2026, at 3.04%. The Readlyn Savings Bank ranks 62nd of 225 Iowa banks on return on assets, in the upper half at 1.67% (Q2 2026). The Readlyn Savings Bank reported 1.67% on return on assets for Q2 2026, 0.42 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.80% |
| Tier 1 risk-based capital ratio | 26.80% |
| Total risk-based capital ratio | 28.02% |
| Tier 1 leverage ratio | 19.30% |
| Equity capital to assets | 18.17% |
| Tangible equity to tangible assets | 18.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.04% |
| Non-performing assets ratio | 1.97% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.33% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 46.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 9.55% |
| Net interest margin | 3.29% |
| Efficiency ratio | 41.45% |
| Yield on earning assets | 5.09% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.11% |
| Core deposits to total deposits | 88.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.24% |
| Securities to assets | 25.20% |
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 | 23.89% | 23.89% | 25.06% | 19.87% | 1.63% |
| Q4 2023 | 23.14% | 23.14% | 24.31% | 19.55% | 1.72% |
| Q1 2024 | 23.59% | 23.59% | 24.76% | 19.55% | 1.73% |
| Q2 2024 | 24.36% | 24.36% | 25.56% | 19.88% | 1.71% |
| Q3 2024 | 25.15% | 25.15% | 26.37% | 20.29% | 1.72% |
| Q4 2024 | 25.13% | 25.13% | 26.34% | 19.99% | 1.67% |
| Q1 2025 | 24.62% | 24.62% | 25.80% | 19.72% | 1.79% |
| Q2 2025 | 24.86% | 24.86% | 26.04% | 18.96% | 1.95% |
| Q3 2025 | 25.89% | 25.89% | 27.12% | 19.47% | 1.48% |
| Q4 2025 | 26.22% | 26.22% | 27.45% | 19.43% | 2.15% |
| Q1 2026 | 26.29% | 26.29% | 27.49% | 19.61% | 1.79% |
| Q2 2026 | 26.80% | 26.80% | 28.02% | 19.30% | 1.67% |
The Readlyn Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Readlyn Savings 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 Readlyn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9300) · FFIEC NIC profile (RSSD 287342)