West 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 Loan-to-deposit ratio: 1.50 percentage points lower than in Q1 2026, at 88.02%. Within Iowa, West Bank is 149th of 225 on return on assets, 1.19% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. West Bank sits 0.08 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.03% |
| Tier 1 risk-based capital ratio | 13.03% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.79% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 4076.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 13.18% |
| Net interest margin | 2.77% |
| Efficiency ratio | 45.46% |
| Yield on earning assets | 4.96% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.02% |
| Core deposits to total deposits | 89.36% |
| Brokered deposits to total deposits | 3.30% |
| Deposits to assets | 83.19% |
| Securities to assets | 11.08% |
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 | 12.01% | 12.01% | 12.89% | 11.00% | 0.77% |
| Q4 2023 | 11.89% | 11.89% | 12.76% | 10.86% | 0.62% |
| Q1 2024 | 11.76% | 11.76% | 12.63% | 10.65% | 0.74% |
| Q2 2024 | 11.79% | 11.79% | 12.66% | 10.25% | 0.64% |
| Q3 2024 | 11.86% | 11.86% | 12.73% | 10.29% | 0.72% |
| Q4 2024 | 11.95% | 11.95% | 12.86% | 9.97% | 0.79% |
| Q1 2025 | 11.99% | 11.99% | 12.90% | 10.46% | 0.90% |
| Q2 2025 | 12.29% | 12.29% | 13.21% | 10.36% | 0.90% |
| Q3 2025 | 12.26% | 12.26% | 13.17% | 10.50% | 1.03% |
| Q4 2025 | 12.44% | 12.44% | 13.35% | 10.35% | 0.83% |
| Q1 2026 | 12.61% | 12.61% | 13.53% | 10.66% | 1.15% |
| Q2 2026 | 13.03% | 13.03% | 13.97% | 10.79% | 1.19% |
West Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West 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 West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15614) · FFIEC NIC profile (RSSD 139740)