Primghar, IA · Cert 13735 · Capital Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.17% | 0.99% | 0.90% | 1.34% | 1.36% | 1.14% | 1.22% | +32 bps | |
| Return on Equity | -1.67% | -1.47% | 8.71% | 7.77% | 11.23% | 10.99% | 9.00% | 9.70% | +193 bps | |
| Net Interest Margin | 2.59% | 2.78% | 3.08% | 3.18% | 3.35% | 3.37% | 3.43% | 3.53% | +35 bps | |
| Efficiency Ratio | 53.12% | 47.66% | 49.41% | 55.77% | 36.19% | 41.76% | 49.67% | 48.94% | -683 bps | |
| Non-Interest Burden | 1.32% | 1.13% | 1.48% | 1.73% | 1.17% | 1.35% | 1.65% | 1.65% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 0.17% | 2.20% | 4.35% | 4.18% | 5.01% | 3.28% | 5.16% | +81 bps | |
| Loan Growth (YoY) | 6.96% | 3.91% | 6.81% | 7.84% | 8.27% | 7.31% | 3.85% | 5.54% | -229 bps | |
| Deposit Growth (YoY) | 5.68% | 8.24% | 3.30% | 4.81% | 3.73% | 3.09% | 2.27% | 0.50% | -431 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.74% | 1.77% | 1.70% | 1.08% | 0.82% | 0.60% | 0.27% | 0.32% | -76 bps | |
| Net Charge-Offs / Loans | 3.84% | 0.00% | 0.00% | 0.00% | 0.90% | 0.90% | 1.33% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.68% | 1.71% | 1.80% | 1.66% | 1.57% | 1.32% | 1.39% | -41 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.9x | 1.0x | 1.7x | 2.0x | 2.6x | 4.8x | 4.3x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.87% | 12.81% | 13.21% | 12.95% | 13.27% | 13.29% | 13.57% | 13.60% | +66 bps | |
| Total Risk-Based Capital | 15.83% | 15.50% | 15.19% | 15.51% | 16.40% | 17.11% | 13.57% | 13.60% | -191 bps | |
| Equity / Assets | 11.47% | 11.30% | 11.47% | 11.76% | 12.09% | 12.73% | 12.61% | 12.63% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.65% | 84.73% | 89.94% | 90.56% | 90.45% | 88.20% | 91.33% | 95.11% | +454 bps | |
| Liquid Assets / Assets | 0.60% | 1.20% | 1.03% | 1.47% | 1.17% | 0.43% | 0.90% | 1.16% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 58.33% | 55.00% | 51.39% | n/a | n/a | |