State Bank of Schaller: 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 climbed 41.19 percentage points in Q2 2026, from 68.18% to 109.38%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, State Bank of Schaller is 198th of 225 on return on assets, 0.81% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. State Bank of Schaller sits 0.18 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.27% |
| Equity capital to assets | 13.46% |
| Tangible equity to tangible assets | 13.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.67% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 109.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 6.22% |
| Net interest margin | 3.00% |
| Efficiency ratio | 56.41% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 28.86% |
| Core deposits to total deposits | 88.27% |
| Brokered deposits to total deposits | 8.40% |
| Deposits to assets | 86.02% |
| Securities to assets | 56.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 0.78% | 2.12% | 0.29% | 0.00% |
| Q4 2023 | 12.63% | 1.30% | 2.80% | 0.00% | 1.17% |
| Q1 2024 | 13.71% | 1.08% | 2.76% | 2.57% | -0.03% |
| Q2 2024 | 13.63% | 1.42% | 3.16% | 1.26% | 0.03% |
| Q3 2024 | 12.48% | 1.13% | 2.71% | 2.31% | 0.07% |
| Q4 2024 | 12.39% | 0.40% | 4.29% | 2.28% | 0.00% |
| Q1 2025 | 12.55% | 1.20% | 2.92% | 1.47% | 0.00% |
| Q2 2025 | 13.96% | 1.03% | 2.92% | 1.77% | 0.00% |
| Q3 2025 | 13.63% | 1.49% | 3.15% | 1.28% | 0.00% |
| Q4 2025 | 13.55% | 1.01% | 3.08% | 1.35% | 0.13% |
| Q1 2026 | 13.61% | 0.76% | 3.22% | 1.56% | 2.35% |
| Q2 2026 | 13.27% | 0.81% | 3.00% | 0.95% | 0.04% |
State Bank of Schaller vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Schaller, 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 of Schaller profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13931) · FFIEC NIC profile (RSSD 534242)