# CAPRA BANK
DUBUQUE, IA · FDIC certificate 16363 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.34B | |
| Deposits | $1.11B | |
| Loans and leases | $563.9M | |
| Total equity | $113.7M | |
| Loans / deposits | 50.49% (p5 of band) | 87.10% |
| Liquid assets / assets | 55.01% (p96 of band) | |
| Uninsured deposits / deposits | 58.42% (p95 of band) | 30.76% |
| Brokered deposits | 5.59% | |
| Wholesale funding | 14.18% (p77 of band) | |
| FHLB advances / assets | 8.59% | |
| Tier 1 leverage | 8.91% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -6.27% (p56 of band) | -7.75% |
| AOCI / equity | -4.22% (p1 of band) | |
| ROA (annualized) | 1.22% (p46 of band) | 1.26% |
| Net interest margin | 3.24% (p24 of band) | 3.70% |
| Efficiency ratio | 52.80% (p31 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 62% | |
| Construction % of loans | 93.85% (p85 of band) | |
| Auto loans | $1.7M (0.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $20.9M (18% of equity) (p91 of band) | |
| Deposits YoY | 57.7% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money, expense ratio p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | reserve under noncurrent, capital falling |
| 2019-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | reserve under noncurrent | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, NIM <2.5% |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 4 | losing money, expense ratio p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 6 | leverage <7%, capital falling |  |
| 2023-03 | 3 |  | NIM <2.5%, leverage <7%, capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | noncurrent p90 |  |
| 2024-03 | 4 | uninsured deposits >50%, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2024-06 | 2 |  | losing money, charge-offs p90 |
| 2024-09 | 3 | brokered >10%, capital falling | expense ratio p90 |
| 2024-12 | 2 |  | brokered >10% |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | construction >100% equity |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | leverage <7% |  |
| 2026-03 | 2 |  | capital falling, leverage <7% |
| 2026-06 | 1 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-07 [Capra named fastest-growing bank in U.S. with under $3 billion in assets - TelegraphHerald.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQc1FiaTFEMGhfUXp6ZFM4U2c0d0c3SXhZTHZ2LXVMM1dSZTRnMDEyZU0wYWRweE9aVE1Kc3p0c2Y5QlJEUFpmby15Y19XbkUxM2s3REU3MEhlVVQtaXNDSXVyV09Vdi1XWU9qbVRJQ1pHdEpZaElyMVZDU1lWTTZYaUhHclRDRTJyR1MwRFU1eDN1MFV5RHJLbnltVWdoMnFWcmh5eDF0VUc0Mms?oc=5) · TelegraphHerald.com
- 2026-08-03 [Bank claiming title of ‘fastest growing’ opens Boise branch - BoiseDev](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUS0td1ZiWmhfTEI1SDIzT0FIbk43ek9PbUNULTFhYVdjVlNIeTdFSmd5b3I3SW1zVktSUzlfcG5qX0VGb2tVX19lVUdRV2VNUTRObHduM2hqd25qbXhRVWVNT1FWYVpGaWJhODRPQmQ4cHZKdnZpMnQyQVBRV0kwMEN2Y3ZqTHZVblhKTG56WHFSb3A4elZ5bU11WQ?oc=5) · BoiseDev
- 2026-04-15 [Capra Bank again named fastest-growing bank in nation - KCBD](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONldRMXJ5V2RRUVRaRVJMZnVoczc3dE1LWG5HTjliSldGa3ZNOF9DNTVqNmp2Rlh2WlQtZVU3MGtTUGZmZ1hBUHZsdkthSkRjVE9jb2lsZzJLNXV6T3g4WXlPQkZDWFVqWlJsNXhFVGpkRzdLMVJDS0F3ekJzeUtrdkhPVk8wMFp6RzJ30gGfAUFVX3lxTE8zOGpkdEFMNlozWlRtMnNEMWpOamZYcGZjNTlFbnlfQ19FWFpFTUV6NHktTWl4cVBrN0xOR2VUWHJJbVpUQ3ViUUJYNnkwbndzWE9pSjd1LWVJMF96QTNTd0VNY0lFRFItbW54cFVUOFVOVzk0NmsxTVJ5RUZzOFczeC05M0dTR2FuZk1halZhV25TUTQ2NGJ6U3Bjb3Mtbw?oc=5) · KCBD
- 2026-08-13 [Capra Bank set to open second New Mexico branch - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaC1iVGtlcThYR1pZeHNsY24tWlZjTVlVUEl5ZUgycmI2WWNjT1h3dkwwMTB0RXgzdHg1U1Q2MHJxUGNtamhLbktDZUVINFRzSEFkSTk5Y2U3WDRDaVZGZlBYWV80Ry1PT0pLbmlfZzVTTUp4RmZBT3VfRUFXTHFNZk1CMzBGaVQwaHVQVUdkSURhdEpERDZDSXlXTUQ3ang0bk1aS0pOOXQ?oc=5) · The Business Journals
- 2026-05-07 [Capra named fastest-growing bank in U.S. with under $3 billion in assets - biztimes.biz](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcmtHM3hWZnpjRWRlb1JhV3JpVlMxaUUzUVotOHA4Rkk4MncwZ2tUWldBTHQ3MlQzd2hNODhna3duTnd4S2tOZWdZMmVxb2xjbG5oZ2VZQjZPVms1NGhyQWxzWW5hM0UwNzNnTnhRY01aNXFoU1YteHJSUGZVbkhQNkFxaFpHZnBvQkg3U2xUV2RZRmJnUnpV?oc=5) · biztimes.biz
- 2026-03-27 [Capra Bank breaks ground on 12,000-square-foot Albuquerque branch - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTFVxb0xNZWp3VXlmTTdoejQ0dkxRMXYtbGdRVy00VnpRSHVzMjdmZDZXS3FlM2tSa1Nha096dW4wUkpPM1RXbk1PVGdLTGJpbEotYjBYUG4wcU9rNFg2MEk3VVdnSnRXM1czM21lNnVndW5XU1lyM3dIdFlDaF9lTjNTWnRrWnFIRElJZk5Pbw?oc=5) · The Business Journals
- 2026-01-30 [Capra Bank hits $1B in assets, rewards employees with $10K bonuses - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQUXo5QmljUGxyR2UxMTN3c1ZtS3ctWjQ0aS1kbHFsS2R2UmFSNjFlem8yNXcyMnlhQ2xEd20zcGJ2aVB6aFY1UFJLTWhwaGZJcmc0Rkd2cVZuaF9EQWsxZDVmUXNFaEh3YUlpLTczd1pHaF9EUzhMd205ajBKbkcyWW51cXM4ZjAxM3owbHUydThDZl9SenFlRzZLcm5wRmNN?oc=5) · The Business Journals
- 2023-09-25 [Capra Bank Opens in Lubbock with Familiar, Local Team - PR Newswire](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeExFLXNDNUphczNKbjF1cWloalBRTnRVUEJCUzdTMmswM2txQWMwdE5waThza05JS2hZNlk2X2hXR2dLZHpycGFJVmp5bEZEY3J0NHljcXhnN0ZIT1p2eE5CVy1EdG0zZmVOd2ctTXJpaUlnVUtuVnEtWXNJN2N1NDAyUFVRMFBuWFBITXBPQWZxMUV4eEkzOVBKa1g2RUpQLThJY0xpRjBKcHht?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16363 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "16363", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide