Bank Safety Analysis
Is Tri-Valley Bank Safe? Randolph, Iowa
Based on its Q2 2026 call report, Tri-Valley Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 32.72%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Tri-Valley Bank's Community Bank Leverage Ratio is 9.25%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 9.25%
- Texas ratio (Q2 2026): 32.72%
- Noncurrent loans ratio (Q2 2026): 4.09%
Tri-Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #12417). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Tri-Valley Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
Return on assets climbed 0.74 percentage points in Q2 2026, from -0.20% to 0.55%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Tri-Valley Bank is 194th of 225 on leverage ratio, 9.25% as of Q2 2026. The median for banks in the < $100M asset tier is 12.62% on leverage ratio. Tri-Valley Bank sits 3.37 points lower, at 9.25% (Q2 2026). From Q3 2023 to Q2 2026, Tri-Valley Bank's Texas ratio ranged between 0.98% (Q4 2024) and 49.65% (Q2 2025). Between Q2 2025 and Q2 2026, Tri-Valley Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 5.93% to 4.09%, Texas ratio fell from 49.65% to 32.72% and return on assets rose from -4.24% to 0.55%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.25% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.25% is above the 5% well-capitalized threshold.
Nonperforming loans at 4.09% are at a stress-band level above 3%.
Texas Ratio of 32.7% is well below the 100% historical failure threshold.
Efficiency ratio of 80.4% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 32.72% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 4.09% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 64.04% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 86.88% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 32.72% |
| Q1 2026 | 34.73% |
| Q4 2025 | 39.41% |
| Q3 2025 | 37.93% |
| Q2 2025 | 49.65% |
| Q1 2025 | 1.30% |
| Q4 2024 | 0.98% |
| Q3 2024 | 1.33% |
| Q2 2024 | 1.49% |
| Q1 2024 | 1.20% |
| Q4 2023 | 8.41% |
| Q3 2023 | 9.93% |
Tri-Valley Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 4.09% | 32.72% | 0.55% |
| Mar 31, 2026 | — | 3.94% | 34.73% | -0.20% |
| Dec 31, 2025 | — | 4.20% | 39.41% | -0.11% |
| Sep 30, 2025 | — | 4.48% | 37.93% | 0.27% |
| Jun 30, 2025 | — | 5.93% | 49.65% | -4.24% |
| Mar 31, 2025 | — | 0.18% | 1.30% | 0.60% |
| Dec 31, 2024 | — | 0.12% | 0.98% | 0.45% |
| Sep 30, 2024 | — | 0.17% | 1.33% | -0.18% |
| Jun 30, 2024 | — | 0.18% | 1.49% | -0.47% |
| Mar 31, 2024 | — | 0.14% | 1.20% | 0.88% |
| Dec 31, 2023 | — | 1.02% | 8.41% | 0.61% |
| Sep 30, 2023 | — | 1.09% | 9.93% | 0.73% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Tri-Valley Bank FDIC insured?
Yes. Tri-Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #12417). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Tri-Valley Bank well capitalized?
On its Q2 2026 call report, Tri-Valley Bank's Community Bank Leverage Ratio is 9.25%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Tri-Valley Bank's key safety ratios?
For Q2 2026, Tri-Valley Bank reports leverage 9.25%, Texas ratio 32.72%, noncurrent loans 4.09%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Tri-Valley Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)
Explore: Full Tri-Valley Bank profile · Other banks in IA · Metric glossary · How the call report works