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Bank Iowa

IDRSSD: 187947
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2026-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #187947 2026-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.71% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -7
66
Sub-score

Liquidity is stable: brokered 8.1%, loans/deposits 90.3%, cash 1.7% of assets.

Cash / Assets
1.71%
Loans / Deposits
90.35%
Brokered %
8.08%

Watch Items

  • watchCash / Assets below 3% — Cash 1.71% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.23%
No watch items at this period.

Capitalization

WatchQoQ 0
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.49%, CET1 10.49%, leverage 8.81%.

Tier 1 RBC
10.49%
CET1
10.49%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 12.1%, NCO YTD 0.06%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.06%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -7
61
Sub-score

Reserves are stable: ALLL 1.33% of loans, coverage 84.1%, true coverage 84.0%.

ALLL / Loans
1.33%
Coverage
84.1%
True Loss Coverage
84.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:26:33 UTC