Capra Bank: how it compares with its peers
Against 32 IA banks with half to twice its assets, Capra Bank's strongest measure in Q2 2026 is assets per employee ($17.4M vs. a $8.3M peer median). Its weakest relative measure is return on assets (1.22% vs. 1.51%).
| Measure | Capra Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.51% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 3.64% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.80% | 54.87% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.4M | $8.3M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.49% | 90.07% | Context |
What it means for lending operations
Its efficiency ratio of 52.80% is better than the 54.87% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank Midwest Spirit Lake, IA · $1.35B
- Iowa State Bank Hull, IA · $1.26B
- Peoples Bank Rock Valley, IA · $1.25B
- American State Bank Sioux Center, IA · $1.45B
- Pilot Grove Savings Bank Pilot Grove, IA · $1.22B
- Farmers State Bank Marion, IA · $1.12B
Questions about Capra Bank
How big is Capra Bank?
Capra Bank, established in 1946, is headquartered in Dubuque, IA. It reported $1.34B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Capra Bank's return on assets?
1.22% annualized in Q2 2026, against a 1.51% median for 32 IA banks with half to twice its assets, ahead of 19% of them.
What is Capra Bank's efficiency ratio?
52.80% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 54.87%, and lower is better.
Is Capra Bank growing its loans?
Net loans grew 59.7% over the year to Q2 2026, while deposits grew 57.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.