White State 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 largest change between Q1 2026 and Q2 2026 was in Return on equity, which rose 2.91 percentage points to 16.02%. White State Bank ranks 54th of 225 Iowa banks on return on assets, in the upper half at 1.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. White State Bank sits 0.47 points higher, at 1.72% (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 | 11.16% |
| Equity capital to assets | 11.02% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.24% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 188.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 16.02% |
| Net interest margin | 3.43% |
| Efficiency ratio | 42.60% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.50% |
| Core deposits to total deposits | 93.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.42% |
| Securities to assets | 54.08% |
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 | 10.82% | 1.24% | 3.19% | 0.00% | -0.05% |
| Q4 2023 | 10.51% | 1.32% | 3.33% | 0.00% | -0.06% |
| Q1 2024 | 10.46% | 1.35% | 3.08% | 0.00% | -0.06% |
| Q2 2024 | 10.58% | 1.10% | 2.92% | 0.00% | 0.07% |
| Q3 2024 | 10.58% | 1.54% | 3.15% | 0.00% | -0.02% |
| Q4 2024 | 10.79% | 1.06% | 3.04% | 0.00% | -0.02% |
| Q1 2025 | 10.69% | 1.16% | 3.12% | 0.00% | -0.02% |
| Q2 2025 | 11.26% | 1.40% | 3.38% | 0.00% | -0.03% |
| Q3 2025 | 11.38% | 1.36% | 3.37% | 0.00% | -0.02% |
| Q4 2025 | 11.55% | 1.60% | 3.47% | 0.00% | -0.02% |
| Q1 2026 | 11.12% | 1.46% | 3.33% | 0.96% | -0.03% |
| Q2 2026 | 11.16% | 1.72% | 3.43% | 0.92% | -0.01% |
White State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock White State 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 White State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8519) · FFIEC NIC profile (RSSD 359744)