United Bank of Iowa: 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: 63.28 percentage points higher than in Q1 2026, at 555.61%. Within Iowa, United Bank of Iowa is 129th of 225 on return on assets, 1.30% as of Q2 2026, below the middle of the field. At 1.30%, United Bank of Iowa's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (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 | 10.34% |
| Equity capital to assets | 9.18% |
| Tangible equity to tangible assets | 8.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 1.89% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 555.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 14.55% |
| Net interest margin | 2.96% |
| Efficiency ratio | 55.87% |
| Yield on earning assets | 5.08% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.60% |
| Core deposits to total deposits | 81.62% |
| Brokered deposits to total deposits | 4.21% |
| Deposits to assets | 78.47% |
| Securities to assets | 26.05% |
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 | 9.14% | 0.87% | 2.20% | 0.40% | 0.05% |
| Q4 2023 | 9.14% | 1.01% | 2.23% | 0.43% | 0.24% |
| Q1 2024 | 9.36% | 0.80% | 2.18% | 0.43% | 0.10% |
| Q2 2024 | 9.51% | 0.72% | 2.17% | 0.38% | -0.07% |
| Q3 2024 | 9.57% | 0.60% | 2.17% | 0.32% | 0.03% |
| Q4 2024 | 9.58% | 1.11% | 2.28% | 0.29% | 0.02% |
| Q1 2025 | 9.80% | 0.90% | 2.41% | 0.30% | 0.00% |
| Q2 2025 | 9.78% | 1.11% | 2.56% | 0.33% | 0.01% |
| Q3 2025 | 10.14% | 1.08% | 2.64% | 0.27% | 0.03% |
| Q4 2025 | 10.08% | 1.44% | 2.72% | 0.24% | 0.05% |
| Q1 2026 | 10.41% | 1.23% | 2.82% | 0.28% | 0.00% |
| Q2 2026 | 10.34% | 1.30% | 2.96% | 0.25% | -0.02% |
United Bank of Iowa vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Iowa, 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 United Bank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 958) · FFIEC NIC profile (RSSD 738040)