BlastPoint's Banking Scorecard
Capra Bank
Designations: ✓ Community bank
Dubuque, IA
5 branches across IA · TX · NM
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +57.7% year over year ($1.1B on the books).
- Delinquency rate 0.00%.
- Return on assets 1.22%.
- Efficiency ratio 52.80% vs a 59.73% peer average.
- Loan-to-deposit ratio 50.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Capra Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 6.93% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.12% below tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+74.3% YoY
+8.9% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$558.6M
+59.7% YoY
+16.9% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.5% in tier |
| Total Deposits ? |
$1.1B
+57.7% YoY
+6.1% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.22%
+140.5% YoY
-7.8% QoQ
|
-0.17% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.24%
-3.0% YoY
-0.7% QoQ
|
-0.63% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
52.80%
-26.0% YoY
-4.2% QoQ
|
-6.93% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? | 0.00% | -0.87% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
50.49%
+1.3% YoY
+10.2% QoQ
|
-34.54% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.15%
+16.3% YoY
+2.5% QoQ
|
-13.12% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.62%
+11.6% YoY
+20.3% QoQ
|
+0.78% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.15%
+44.8% YoY
+105.5% QoQ
|
-0.38% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.2%
+1.1pp YoY +0.2pp QoQ |
-13.2pp | 21.4% | 17.8% | 22.2% | 7% |
| Brokered Deposits |
6.8%
-1.2pp YoY +4.6pp QoQ |
-2.7pp | 9.5% | 6.0% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.3%
-9.0pp YoY -3.7pp QoQ |
+18.3pp | 14.0% | 12.8% | 12.5% | 92% |
| CRE |
49.4%
+6.5pp YoY +1.8pp QoQ |
-0.6pp | 50.0% | 28.3% | 41.4% | 48% |
| 1-4 Family |
9.7%
-3.5pp YoY -1.0pp QoQ |
-16.7pp | 26.4% | 23.0% | 31.3% | 16% |
| Consumer |
2.2%
-0.4pp YoY +0.2pp QoQ |
-2.5pp | 4.7% | 2.9% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
+7.5pp YoY +2.6pp QoQ |
0.0pp | 15.6% | 15.4% | 19.7% | 75% |
| Leverage Ratio |
8.9%
+0.1pp YoY +1.8pp QoQ |
-2.4pp | 11.3% | 12.4% | 12.6% | 10% |
| Total Capital Ratio |
16.4%
+1.6pp YoY +2.6pp QoQ |
-0.3pp | 16.7% | 16.5% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
77
+12 (+18.5%) YoY +7 (+10.0%) QoQ |
-237 | 313 | 64 | 482 | 3% |
| Assets per Employee ($) |
$17.4M
+47.1% YoY -1.0% QoQ |
+$7.0M | $10.5M | $8.9M | $8.8M | 93% |
| Branch Count |
5
-1 (-16.7%) YoY 0 QoQ |
-15 | 20 | 5 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.3%
+11.0pp YoY -2.9pp QoQ |
+3.7pp | 12.6% | 12.8% | 11.6% | 80% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY -0.1pp QoQ |
+0.9pp | 1.9% | 1.8% | 1.7% | 92% |
| Net Income ($, YTD) |
$7.2M
+317.2% YoY — QoQ |
-$12.0M | $19.2M | $4.0M | $40.4M | 25% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.