| Metric | Capra Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +74.3% | +5.5% | +68.8 pts |
| Deposit growth (YoY) | +57.7% | +5.1% | +52.7 pts |
| Loan growth (YoY) | +59.7% | +6.0% | +53.7 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 16.3% | 12.2% | +4.1 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.34B | $1.11B | $558.6M | $113.7M | $7.2M | 1.22% | 3.24% | 0.00% |
| Q1 2026 | $1.23B | $1.04B | $477.8M | $81.4M | $3.7M | 1.32% | 3.26% | 0.00% |
| Q4 2025 | $978.1M | $883.2M | $459.7M | $70.6M | $5.6M | 0.70% | 3.32% | 0.00% |
| Q3 2025 | $984.1M | $912.2M | $395.7M | $67.6M | $3.4M | 0.60% | 3.21% | 0.00% |
| Q2 2025 | $770.8M | $701.4M | $349.8M | $66.2M | $1.7M | 0.51% | 3.34% | 0.00% |
| Q1 2025 | $718.4M | $649.6M | $299.4M | $66.3M | $532K | 0.33% | 3.38% | 0.00% |
| Q4 2024 | $560.4M | $492.9M | $231.8M | $64.3M | $2.7M | 0.72% | 3.95% | 0.00% |
| Q3 2024 | $458.8M | $388.8M | $157.4M | $67.1M | $2.7M | 1.09% | 4.16% | 0.00% |
Loan mix (Q2 2026): real estate $350.2M · commercial $180.2M · consumer $12.1M · securities $714.0M
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Capra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jan 22, 2026 | Target | Fuller Family Holdings LLLP | Change in control | Completed | Federal Reserve |
3 branches in 3 counties across 3 states (-1 vs 2025) · $1.11B branch deposits. Biggest market: Dubuque, IA, ranked 6th with 7.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dubuque, IA | 1 | $379.3M | 6.95% | 6th |
| Lubbock, TX | 1 | $377.1M | 2.68% | 13th |
| Bernalillo, NM | 1 | $349.9M | 1.38% | 18th |
Iowa: 87th with 0.24% · Texas: 286th with 0.02% · New Mexico: 41st with 0.54% · Dubuque metro: 6th, 6.95% · Lubbock metro: 13th, 2.46% ·
Branch count: 2022 1 · 2023 2 · 2024 3 · 2025 4 · 2026 3
Technology spend up 282% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).