The Watkins Savings 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.
Securities to assets dropped 0.99 percentage points in Q2 2026, from 38.60% to 37.61%. It was the largest change from Q1 2026 among the key lines here. On return on assets, The Watkins Savings Bank is 10th from the bottom among 225 Iowa banks, 0.49% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, The Watkins Savings Bank reported 0.49% on return on assets in Q2 2026, 0.50 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.80% |
| Equity capital to assets | 13.12% |
| Tangible equity to tangible assets | 13.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 3.88% |
| Net interest margin | 1.98% |
| Efficiency ratio | 66.81% |
| Yield on earning assets | 3.55% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.28% |
| Core deposits to total deposits | 90.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.51% |
| Securities to assets | 37.61% |
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 | 16.60% | 0.35% | 1.79% | 0.00% | 0.00% |
| Q4 2023 | 16.67% | 0.26% | 1.70% | 0.00% | 0.00% |
| Q1 2024 | 16.35% | 0.48% | 1.90% | 0.00% | 0.00% |
| Q2 2024 | 16.72% | 0.27% | 1.78% | 0.00% | 0.00% |
| Q3 2024 | 16.56% | 0.20% | 1.73% | 0.00% | 0.00% |
| Q4 2024 | 16.37% | 0.59% | 1.67% | 0.00% | 0.00% |
| Q1 2025 | 15.58% | 0.34% | 1.77% | 0.00% | 0.00% |
| Q2 2025 | 15.53% | 0.28% | 1.71% | 0.00% | 0.00% |
| Q3 2025 | 15.54% | 0.37% | 1.79% | 0.00% | 0.00% |
| Q4 2025 | 15.03% | 0.32% | 1.76% | 0.00% | 0.00% |
| Q1 2026 | 15.08% | 0.49% | 1.87% | 0.00% | 0.00% |
| Q2 2026 | 14.80% | 0.49% | 1.98% | 0.00% | 0.00% |
The Watkins Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Watkins Savings 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 The Watkins Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18071) · FFIEC NIC profile (RSSD 437044)