The 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 2.96 percentage points in Q2 2026, from 50.71% to 53.67%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The State Bank is 139th of 225 on return on assets, 1.23% as of Q2 2026. The State Bank reported 1.23% on return on assets for Q2 2026, 0.23 points above the 1.00% median for banks in the < $100M 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 | 11.73% |
| Equity capital to assets | 8.71% |
| Tangible equity to tangible assets | 8.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 5.02% |
| Allowance for credit losses to loans | 2.96% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 15.02% |
| Net interest margin | 2.84% |
| Efficiency ratio | 55.93% |
| Yield on earning assets | 4.34% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.67% |
| Core deposits to total deposits | 90.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.84% |
| Securities to assets | 38.86% |
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 | 11.56% | 0.54% | 2.56% | 1.54% | 0.00% |
| Q4 2023 | 11.34% | -0.21% | 2.38% | 1.32% | -0.01% |
| Q1 2024 | 11.34% | 0.54% | 2.32% | 1.30% | 0.00% |
| Q2 2024 | 11.71% | 1.22% | 2.90% | 1.68% | -3.99% |
| Q3 2024 | 11.81% | 0.62% | 2.60% | 0.00% | -0.04% |
| Q4 2024 | 11.71% | 1.57% | 2.29% | 0.00% | -0.01% |
| Q1 2025 | 11.82% | 0.49% | 2.32% | 0.00% | -0.01% |
| Q2 2025 | 11.77% | 0.98% | 2.58% | 0.00% | -0.01% |
| Q3 2025 | 11.32% | 0.74% | 2.66% | 0.00% | 1.34% |
| Q4 2025 | 10.99% | 0.10% | 2.71% | 0.00% | 0.00% |
| Q1 2026 | 11.35% | 1.05% | 2.73% | 0.00% | -0.01% |
| Q2 2026 | 11.73% | 1.23% | 2.84% | 0.00% | 0.12% |
The State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13715) · FFIEC NIC profile (RSSD 550448)