Capra Bank
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
$1.3BAssets
$563.9MLoans
$1.1BDeposits
$113.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 2 of 176).
- Widest gap: net interest margin trails 90% of banks $1B-$10B in assets operating regionally (rank 158 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.5M · efficiency ratio beats 74% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |