The State Bank of Toledo: 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 8.82 percentage points in Q2 2026, from 81.20% to 72.38%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The State Bank of Toledo is 126th of 225 on return on assets, 1.30% as of Q2 2026, below the middle of the field. The State Bank of Toledo reported 1.30% on return on assets for Q2 2026, 0.05 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 | 9.83% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 10.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.62% |
| Non-performing assets ratio | 2.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 20.82% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 72.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 12.95% |
| Net interest margin | 4.58% |
| Efficiency ratio | 73.90% |
| Yield on earning assets | 6.12% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.61% |
| Core deposits to total deposits | 91.79% |
| Brokered deposits to total deposits | 4.70% |
| Deposits to assets | 89.28% |
| Securities to assets | 2.73% |
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 | 12.54% | 12.54% | 13.80% | 10.50% | -0.14% |
| Q4 2023 | 11.23% | 11.23% | 12.48% | 10.20% | 0.96% |
| Q1 2024 | 11.41% | 11.41% | 12.66% | 9.73% | 0.90% |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 9.72% | 1.52% |
| Q3 2024 | 12.25% | 12.25% | 13.51% | 9.69% | 0.61% |
| Q4 2024 | 11.81% | 11.81% | 13.07% | 9.59% | 0.27% |
| Q1 2025 | — | — | — | 10.05% | 0.31% |
| Q2 2025 | — | — | — | 10.02% | 0.87% |
| Q3 2025 | — | — | — | 9.98% | 1.28% |
| Q4 2025 | — | — | — | 9.56% | 1.06% |
| Q1 2026 | — | — | — | 9.51% | 0.85% |
| Q2 2026 | — | — | — | 9.83% | 1.30% |
The State Bank of Toledo vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4514) · FFIEC NIC profile (RSSD 490348)