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 | |