Tri-Valley 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.35 percentage points lower than in Q1 2026, at 64.04%. On return on assets, Tri-Valley Bank is 11th from the bottom among 225 Iowa banks, 0.55% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Tri-Valley Bank sits 0.44 points lower, at 0.55% (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 | 9.25% |
| Equity capital to assets | 6.10% |
| Tangible equity to tangible assets | 6.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.88% |
| Non-performing assets ratio | 2.93% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 39.06% |
| Allowance for credit losses to loans | 2.31% |
| Reserve coverage of non-performing loans | 47.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 9.25% |
| Net interest margin | 4.10% |
| Efficiency ratio | 80.43% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.04% |
| Core deposits to total deposits | 88.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.54% |
| Securities to assets | 22.35% |
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 | 10.28% | 0.73% | 3.85% | 2.08% | 0.03% |
| Q4 2023 | 9.88% | 0.61% | 3.70% | 2.07% | 0.00% |
| Q1 2024 | 10.18% | 0.88% | 4.23% | 1.19% | 0.00% |
| Q2 2024 | 10.08% | -0.47% | 4.09% | 1.10% | 0.00% |
| Q3 2024 | 10.07% | -0.18% | 4.07% | 1.06% | 0.00% |
| Q4 2024 | 9.62% | 0.45% | 3.84% | 0.99% | 0.01% |
| Q1 2025 | 9.37% | 0.60% | 3.60% | 1.04% | 0.00% |
| Q2 2025 | 8.65% | -4.24% | 2.67% | 6.36% | 3.88% |
| Q3 2025 | 9.18% | 0.27% | 3.85% | 5.31% | 0.10% |
| Q4 2025 | 9.11% | -0.11% | 4.14% | 5.02% | 0.01% |
| Q1 2026 | 9.24% | -0.20% | 4.10% | 4.82% | 1.55% |
| Q2 2026 | 9.25% | 0.55% | 4.10% | 4.88% | 0.05% |
Tri-Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-Valley 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 Tri-Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)