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 Reserve coverage of non-performing loans: 75.81 percentage points lower than in Q1 2026, at 428.61%. Within Iowa, Savings Bank is 102nd of 225 on return on assets, 1.47% as of Q2 2026, above the middle of the field. Savings Bank reported 1.47% on return on assets for Q2 2026, 0.22 points above the 1.25% 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 | 13.60% |
| Equity capital to assets | 12.63% |
| Tangible equity to tangible assets | 12.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.76% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 428.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 11.62% |
| Net interest margin | 3.61% |
| Efficiency ratio | 48.90% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.11% |
| Core deposits to total deposits | 85.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.44% |
| Securities to assets | 21.37% |
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 | 14.65% | 14.65% | 15.91% | 13.07% | 1.25% |
| Q4 2023 | 14.26% | 14.26% | 15.49% | 13.10% | 1.15% |
| Q1 2024 | 14.39% | 14.39% | 15.63% | 13.13% | 1.33% |
| Q2 2024 | 14.78% | 14.78% | 16.03% | 13.20% | 1.17% |
| Q3 2024 | 14.95% | 14.95% | 15.83% | 12.87% | -0.19% |
| Q4 2024 | 14.25% | 14.25% | 15.50% | 12.81% | -0.17% |
| Q1 2025 | 13.93% | 13.93% | 15.19% | 13.21% | 1.20% |
| Q2 2025 | 14.26% | 14.26% | 15.51% | 12.95% | 1.07% |
| Q3 2025 | 15.15% | 15.15% | 16.40% | 13.27% | 1.66% |
| Q4 2025 | 15.85% | 15.85% | 17.11% | 13.29% | 1.72% |
| Q1 2026 | — | — | — | 13.57% | 1.41% |
| Q2 2026 | — | — | — | 13.60% | 1.47% |
Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13735) · FFIEC NIC profile (RSSD 588348)