Dubuque, IA · Cert 16363 · Capra Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
100
Profitability
34
Liquidity
0
Efficiency
74
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dubuque, IA · Cert 16363 · Capra Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Dubuque, IA · 2026 SOD (annual) · 10.7% share · #4 of 9 inst. · $0.4B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.72% | 0.33% | 0.51% | 0.60% | 0.70% | 1.32% | 1.22% | +71 bps | |
| Return on Equity | 6.65% | 4.83% | 3.26% | 5.27% | 6.94% | 8.33% | 19.22% | 16.30% | +1,102 bps | |
| Net Interest Margin | 3.09% | 2.86% | 3.46% | 3.09% | 2.78% | 2.51% | 2.97% | 2.89% | -20 bps | |
| Efficiency Ratio | 69.55% | 73.43% | 75.76% | 71.37% | 69.69% | 68.87% | 55.14% | 52.80% | -1,857 bps | |
| Non-Interest Burden | 1.80% | 1.89% | 2.56% | 2.14% | 1.87% | 1.66% | 1.50% | 1.38% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 208% | 160.72% | 135.43% | 117.52% | 114.51% | 74.54% | 71.68% | 74.26% | -4,327 bps | |
| Loan Growth (YoY) | 398% | 336% | 203% | 169.93% | 151.29% | 98.31% | 59.61% | 59.62% | -11,031 bps | |
| Deposit Growth (YoY) | 216% | 160.91% | 170.00% | 142.49% | 134.62% | 79.18% | 60.58% | 57.73% | -8,476 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 0.99% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0.95% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.13% | 11.93% | 10.25% | 8.79% | 7.49% | 6.34% | 7.08% | 8.91% | +11 bps | |
| Total Risk-Based Capital | 27.44% | 19.42% | 16.41% | 14.81% | 12.89% | 11.97% | 13.78% | 16.41% | +160 bps | |
| Equity / Assets | 14.63% | 11.48% | 9.23% | 8.58% | 6.87% | 7.22% | 6.60% | 8.47% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.91% | 47.50% | 46.55% | 50.37% | 43.82% | 52.57% | 46.27% | 50.97% | +60 bps | |
| Liquid Assets / Assets | 9.83% | 12.94% | 17.68% | 3.94% | 7.45% | 0.49% | 3.45% | 0.52% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 326% | 277% | n/a | n/a | |
Dubuque, IA · Cert 16363 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Capra Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.07%
Rank 114 of 176
Net Interest Margin
2.89%
Rank 158 of 176
Efficiency Ratio
53.03%
Rank 46 of 176
Equity / Assets
8.47%
Rank 151 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.93% | 1.26% | 1.54% | Beats 35% | 114 / 176 | ||
| Return on Equity | 12.69% | 9.26% | 11.89% | 14.46% | Beats 57% | 75 / 176 | ||
| Net Interest Margin | 2.89% | 3.25% | 3.59% | 3.93% | Beats 10% | 158 / 176 | ||
| Efficiency Ratio | 53.03% | 52.79% | 59.55% | 67.66% | Beats 74% | 46 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.64% | 1.32% | Beats 100% | 2 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.62% | 11.15% | 12.72% | 14.15% | Beats 88% | 22 / 176 | ||
| Total Risk-Based Capital Ratio | 16.41% | 11.81% | 13.63% | 15.33% | Beats 86% | 24 / 176 | ||
| Equity / Assets | 8.47% | 9.16% | 10.35% | 11.80% | Beats 14% | 151 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.97% | 80.94% | 89.73% | 97.21% | 1st pctl | 174 / 176 | ||
| Loans / Assets | 41.99% | 69.25% | 75.12% | 80.82% | 1st pctl | 175 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||