West Iowa 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 Tangible equity to tangible assets: 4.74 percentage points lower than in Q1 2026, at 11.30%. Within Iowa, West Iowa Bank is 167th of 225 on return on assets, 1.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. West Iowa Bank sits 0.15 points lower, at 1.11% (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 | 11.89% |
| Equity capital to assets | 12.84% |
| Tangible equity to tangible assets | 11.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 12091.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 8.94% |
| Net interest margin | 3.17% |
| Efficiency ratio | 53.64% |
| Yield on earning assets | 4.42% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.63% |
| Core deposits to total deposits | 90.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.38% |
| Securities to assets | 35.28% |
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 | 14.24% | 1.29% | 3.40% | 0.09% | -0.01% |
| Q4 2023 | 14.06% | 1.27% | 3.38% | 0.37% | -0.01% |
| Q1 2024 | 14.27% | 1.22% | 3.34% | 0.27% | -0.01% |
| Q2 2024 | 14.43% | 1.26% | 3.36% | 0.26% | 0.00% |
| Q3 2024 | 14.54% | 1.23% | 3.27% | 0.27% | -0.01% |
| Q4 2024 | 15.55% | 1.15% | 3.27% | 0.27% | -0.01% |
| Q1 2025 | 15.80% | 1.14% | 3.31% | 0.29% | -0.01% |
| Q2 2025 | 16.05% | 1.15% | 3.52% | 0.00% | 0.40% |
| Q3 2025 | 16.81% | 1.27% | 3.61% | 0.00% | -0.02% |
| Q4 2025 | 17.04% | 2.25% | 3.55% | 0.00% | -0.01% |
| Q1 2026 | 17.18% | 1.26% | 3.56% | 0.00% | -0.03% |
| Q2 2026 | 11.89% | 1.11% | 3.17% | 0.01% | -0.01% |
West Iowa Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Iowa 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 Iowa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9105) · FFIEC NIC profile (RSSD 137643)