Trubank: 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.
Core deposits to total deposits dropped 1.35 percentage points in Q2 2026, from 82.11% to 80.75%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Trubank is 184th of 225 on return on assets, 0.97% as of Q2 2026. Trubank reported 0.97% on return on assets for Q2 2026, 0.29 points below the 1.26% 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 | 9.23% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 8.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.17% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 10.41% |
| Net interest margin | 3.65% |
| Efficiency ratio | 57.00% |
| Yield on earning assets | 5.60% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.93% |
| Core deposits to total deposits | 80.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.03% |
| Securities to assets | 25.28% |
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 | 9.60% | 0.88% | 3.05% | 0.00% | 0.00% |
| Q4 2023 | 9.31% | 0.46% | 2.86% | 0.00% | 0.12% |
| Q1 2024 | 9.49% | 0.60% | 2.92% | 0.00% | 0.00% |
| Q2 2024 | 9.70% | 0.60% | 3.04% | 0.31% | 0.00% |
| Q3 2024 | 9.98% | 0.72% | 3.18% | 0.31% | 0.00% |
| Q4 2024 | 9.58% | 1.01% | 3.40% | 0.00% | 0.90% |
| Q1 2025 | 9.32% | 0.93% | 3.30% | 0.00% | 0.00% |
| Q2 2025 | 9.32% | 1.71% | 3.58% | 0.00% | 0.00% |
| Q3 2025 | 9.54% | 1.27% | 3.82% | 0.00% | 0.00% |
| Q4 2025 | 9.10% | 1.10% | 3.62% | 0.00% | 0.00% |
| Q1 2026 | 9.32% | 1.20% | 3.68% | 0.00% | 0.01% |
| Q2 2026 | 9.23% | 0.97% | 3.65% | 0.00% | 0.00% |
Trubank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trubank, 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 Trubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25267) · FFIEC NIC profile (RSSD 862141)