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.
Loan-to-deposit ratio climbed 2.81 percentage points in Q2 2026, from 72.80% to 75.61%. It was the largest change from Q1 2026 among the key lines here. State Bank ranks 173rd of 225 Iowa banks on return on assets, in the lower half at 1.06% (Q2 2026). State Bank reported 1.06% on return on assets for Q2 2026, 0.06 points above the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.56% |
| Tier 1 risk-based capital ratio | 13.56% |
| Total risk-based capital ratio | 14.81% |
| Tier 1 leverage ratio | 8.31% |
| Equity capital to assets | 8.27% |
| Tangible equity to tangible assets | 8.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.30% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 162.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 13.01% |
| Net interest margin | 4.25% |
| Efficiency ratio | 76.70% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.61% |
| Core deposits to total deposits | 90.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.03% |
| Securities to assets | 10.97% |
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 | 12.76% | 12.76% | 14.01% | 8.07% | 1.02% |
| Q4 2023 | 13.21% | 13.21% | 14.46% | 8.36% | 0.93% |
| Q1 2024 | 13.38% | 13.38% | 14.63% | 8.55% | 0.64% |
| Q2 2024 | 13.60% | 13.60% | 14.85% | 8.60% | 1.81% |
| Q3 2024 | 13.16% | 13.16% | 14.41% | 8.15% | 0.97% |
| Q4 2024 | 13.20% | 13.20% | 14.45% | 8.09% | 1.11% |
| Q1 2025 | 14.19% | 14.19% | 15.45% | 8.10% | 1.13% |
| Q2 2025 | 13.78% | 13.78% | 15.03% | 8.29% | 1.35% |
| Q3 2025 | 13.71% | 13.71% | 14.96% | 8.46% | 1.41% |
| Q4 2025 | 13.49% | 13.49% | 14.73% | 8.51% | 0.84% |
| Q1 2026 | 13.72% | 13.72% | 14.97% | 8.43% | 0.53% |
| Q2 2026 | 13.56% | 13.56% | 14.81% | 8.31% | 1.06% |
State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16151) · FFIEC NIC profile (RSSD 651149)