Sibley 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.
Reserve coverage of non-performing loans dropped 1198.17 percentage points in Q2 2026, from 1747.83% to 549.66%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Sibley State Bank is 88th of 225 on return on assets, 1.53% as of Q2 2026, above the middle of the field. Sibley State Bank reported 1.53% on return on assets for Q2 2026, 0.28 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.67% |
| Tier 1 risk-based capital ratio | 15.67% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 11.03% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.69% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 549.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 15.41% |
| Net interest margin | 3.79% |
| Efficiency ratio | 51.30% |
| Yield on earning assets | 4.95% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.95% |
| Core deposits to total deposits | 92.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.63% |
| Securities to assets | 27.23% |
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 | 14.41% | 14.41% | 15.41% | 10.37% | 1.35% |
| Q4 2023 | 14.18% | 14.18% | 15.16% | 10.54% | 1.13% |
| Q1 2024 | 14.21% | 14.21% | 15.18% | 10.61% | 1.02% |
| Q2 2024 | 14.36% | 14.36% | 15.38% | 10.45% | 0.88% |
| Q3 2024 | 13.92% | 13.92% | 14.91% | 10.35% | 1.12% |
| Q4 2024 | 14.52% | 14.52% | 15.55% | 10.51% | 0.83% |
| Q1 2025 | 14.41% | 14.41% | 15.38% | 10.70% | 1.24% |
| Q2 2025 | 15.35% | 15.35% | 16.37% | 11.28% | 1.42% |
| Q3 2025 | 14.28% | 14.28% | 15.28% | 10.62% | 1.45% |
| Q4 2025 | 14.45% | 14.45% | 15.46% | 10.94% | 1.20% |
| Q1 2026 | 15.71% | 15.71% | 16.77% | 11.09% | 1.26% |
| Q2 2026 | 15.67% | 15.67% | 16.73% | 11.03% | 1.53% |
Sibley State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sibley 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 Sibley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11764) · FFIEC NIC profile (RSSD 598543)