Twin Cedars 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: 17.30 percentage points higher than in Q1 2026, at 71.90%. On return on assets, Twin Cedars Bank is 2nd from the bottom among 225 Iowa banks, -4.12% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Twin Cedars Bank reported -4.12% on return on assets in Q2 2026, 5.37 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.94% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 9.19% |
| Equity capital to assets | 10.85% |
| Tangible equity to tangible assets | 10.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.01% |
| Non-performing assets ratio | 3.08% |
| Net charge-off ratio | 2.80% |
| Texas ratio | 28.90% |
| Allowance for credit losses to loans | 2.88% |
| Reserve coverage of non-performing loans | 71.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -4.12% |
| Return on equity | -39.13% |
| Net interest margin | 3.63% |
| Efficiency ratio | 137.79% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.78% |
| Core deposits to total deposits | 95.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.44% |
| Securities to assets | 0.02% |
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 | 10.94% | 10.94% | 12.08% | 9.66% | 0.12% |
| Q4 2023 | 10.72% | 10.72% | 11.94% | 9.24% | 0.80% |
| Q1 2024 | 9.96% | 9.96% | 11.22% | 8.99% | 0.65% |
| Q2 2024 | 14.59% | 14.59% | 15.84% | 13.21% | 0.64% |
| Q3 2024 | 15.01% | 15.01% | 16.26% | 12.99% | -0.74% |
| Q4 2024 | 14.37% | 14.37% | 15.63% | 11.59% | 0.25% |
| Q1 2025 | 13.45% | 13.45% | 14.71% | 11.58% | 0.60% |
| Q2 2025 | 13.86% | 13.86% | 15.12% | 11.43% | 0.78% |
| Q3 2025 | 12.80% | 12.80% | 14.05% | 10.90% | -0.55% |
| Q4 2025 | 13.24% | 13.24% | 14.50% | 10.94% | 0.48% |
| Q1 2026 | 13.55% | 13.55% | 14.82% | 10.79% | -0.35% |
| Q2 2026 | 12.94% | 12.94% | 14.21% | 9.19% | -4.12% |
Twin Cedars Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin Cedars 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 Twin Cedars Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1556) · FFIEC NIC profile (RSSD 750444)