TS 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 Reserve coverage of non-performing loans: 118.98 percentage points lower than in Q1 2026, at 81.65%. TS Bank has the 7th lowest return on assets of the 225 banks headquartered in Iowa, at 0.25% as of Q2 2026. TS Bank's return on assets of 0.25% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.81% |
| Tier 1 risk-based capital ratio | 12.81% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 10.61% |
| Equity capital to assets | 5.99% |
| Tangible equity to tangible assets | 5.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.41% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.64% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 81.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 4.33% |
| Net interest margin | 2.67% |
| Efficiency ratio | 90.21% |
| Yield on earning assets | 5.40% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.53% |
| Core deposits to total deposits | 60.43% |
| Brokered deposits to total deposits | 36.37% |
| Deposits to assets | 89.53% |
| Securities to assets | 29.55% |
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 | 9.61% | 9.61% | 10.15% | 7.47% | -0.23% |
| Q4 2023 | 8.92% | 8.92% | 9.48% | 6.82% | -0.58% |
| Q1 2024 | 10.06% | 10.06% | 10.65% | 7.76% | 1.16% |
| Q2 2024 | 10.03% | 10.03% | 10.57% | 7.89% | 0.47% |
| Q3 2024 | 10.09% | 10.09% | 10.69% | 7.97% | -0.02% |
| Q4 2024 | 9.98% | 9.98% | 10.60% | 8.17% | -0.07% |
| Q1 2025 | 10.58% | 10.58% | 11.24% | 8.17% | 0.52% |
| Q2 2025 | 10.57% | 10.57% | 11.23% | 8.37% | 0.65% |
| Q3 2025 | 11.57% | 11.57% | 12.28% | 8.75% | 0.94% |
| Q4 2025 | 11.52% | 11.52% | 12.28% | 9.29% | 0.91% |
| Q1 2026 | 12.23% | 12.23% | 13.03% | 10.17% | 4.19% |
| Q2 2026 | 12.81% | 12.81% | 13.56% | 10.61% | 0.25% |
TS Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TS 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 TS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14812) · FFIEC NIC profile (RSSD 552545)