South Ottumwa 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: 157.97 percentage points lower than in Q1 2026, at 249.46%. Within Iowa, South Ottumwa Savings Bank is 110th of 225 on return on assets, 1.42% as of Q2 2026, above the middle of the field. South Ottumwa Savings Bank reported 1.42% on return on assets for Q2 2026, 0.17 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.33% |
| Tier 1 risk-based capital ratio | 18.33% |
| Total risk-based capital ratio | 19.24% |
| Tier 1 leverage ratio | 13.00% |
| Equity capital to assets | 13.53% |
| Tangible equity to tangible assets | 11.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.99% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 249.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 10.45% |
| Net interest margin | 3.36% |
| Efficiency ratio | 54.18% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.45% |
| Core deposits to total deposits | 92.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.81% |
| Securities to assets | 28.29% |
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 | 17.26% | 17.26% | 18.17% | 11.76% | 0.99% |
| Q4 2023 | 17.21% | 17.21% | 18.11% | 11.82% | 0.95% |
| Q1 2024 | 17.17% | 17.17% | 18.08% | 12.10% | 0.65% |
| Q2 2024 | 17.39% | 17.39% | 18.38% | 12.19% | 0.77% |
| Q3 2024 | 17.39% | 17.39% | 18.25% | 12.52% | 0.67% |
| Q4 2024 | 16.79% | 16.79% | 17.68% | 11.75% | 0.78% |
| Q1 2025 | 16.98% | 16.98% | 17.87% | 12.00% | 0.91% |
| Q2 2025 | 17.46% | 17.46% | 18.37% | 12.39% | 1.41% |
| Q3 2025 | 17.80% | 17.80% | 18.65% | 13.00% | 1.37% |
| Q4 2025 | 18.30% | 18.30% | 19.21% | 13.30% | 1.24% |
| Q1 2026 | 18.22% | 18.22% | 19.12% | 13.44% | 1.35% |
| Q2 2026 | 18.33% | 18.33% | 19.24% | 13.00% | 1.42% |
South Ottumwa Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Ottumwa 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 South Ottumwa Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)