Capra Bank
Dubuque, IA·RSSD 1013744·FDIC 16363·bank:1013744·Risk-based ratios where reported
- #22 of 227Total assets in Iowa
- 5offices
- 77employees
- #1 of 220Deposit growth in Iowa
- #1 of 212Loan growth in Iowa
- Top 1%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Capra Bank
7 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter8.6%peers 1.6%+7.0 pp
Capra Bank's borrowings as a share of assets rose 8.6 percentage points over the past year to 8.6%. Among 629 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 8.6% | 1.6% | +7.0 pp |
| 12-month change | ||
| +8.6 pp | 0.0 pp | +8.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile. How signals work
Unrealized securities position worsening while the peer median improvesWorth a look: Capital 2nd quarter-6.3%peers -7.2%+0.9 pp
Capra Bank's unrealized securities gain or loss relative to Tier 1 capital fell 1.3 percentage points over the past year to -6.3%. Among 628 similar banks, the median rose 2.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -6.3% | -7.2% | +0.9 pp |
| 12-month change | ||
| -1.3 pp | +2.5 pp | -3.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter50.9%peers 60.4%-9.5 pp
Capra Bank's efficiency ratio fell 16.9 percentage points over the past year to 50.9%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 50.9% | 60.4% | -9.5 pp |
| 12-month change | ||
| -16.9 pp | -2.1 pp | -14.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+59.6%peers +5.7%+53.9 pp
Capra Bank's loans grew 59.6% over the past year to $564 million. The median among 624 similar banks was +5.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +59.6% | +5.7% | +53.9 pp |
| Loans | ||
| $564 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+74.3%peers +5.3%+69.0 pp
Capra Bank's total assets grew 74.3% over the past year to $1.3 billion. The median among 629 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +74.3% | +5.3% | +69.0 pp |
| Total assets | ||
| $1.3 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Deposits growing faster than peersFunding
- Deposit costs falling faster than peersFunding
Key facts
- Capra Bank is a bank headquartered in Dubuque, Iowa. It reported $1.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.1 billion, up 57.7% from a year earlier, and loans totaled $564 million, up 59.6%.
- Its net interest margin was 3.17% and its annualized return on assets was 1.11% for the quarter.
- Its cost of all deposits was 2.60%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Capra Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Capra Bank · Bank
- Federal Reserve RSSD
- 1013744
- FDIC certificate
- 16363
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Capra Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3.57M | — | |
| $17.81M | — | |
| $8.13M | — | |
| $9.69M | — | |
| $1.12M | — | |
| $5.5M | — | |
| $520K | — | |
| $671K | — | |
| 1.11% | 1.11%ROAQ · Quarter | |
| 3.17% | 3.16%NIMYQ · Quarter | |
| 50.95% | 50.74%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.