Pella, IA · Cert 10118 · Leighton Investment Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
40
Profitability
66
Liquidity
72
Efficiency
47
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pella, IA · Cert 10118 · Leighton Investment Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.2% share · #44 of 57 inst. · $0.1B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.03% | 0.90% | 1.12% | 1.12% | 1.12% | 1.37% | 1.47% | +35 bps | |
| Return on Equity | 9.98% | 9.82% | 8.53% | 10.46% | 10.33% | 10.22% | 12.11% | 12.95% | +249 bps | |
| Net Interest Margin | 3.06% | 2.97% | 3.00% | 3.09% | 3.13% | 3.14% | 3.48% | 3.49% | +41 bps | |
| Efficiency Ratio | 66.04% | 66.23% | 69.42% | 64.08% | 64.38% | 64.76% | 61.09% | 58.09% | -600 bps | |
| Non-Interest Burden | 1.59% | 1.55% | 1.71% | 1.50% | 1.56% | 1.59% | 1.57% | 1.49% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | 6.70% | 6.39% | 5.25% | 8.48% | 4.28% | 5.37% | 6.85% | +160 bps | |
| Loan Growth (YoY) | 3.94% | 2.87% | -0.30% | 3.28% | 6.25% | 4.27% | 7.52% | 8.34% | +506 bps | |
| Deposit Growth (YoY) | 4.35% | 6.21% | 6.01% | 5.32% | 9.81% | 4.40% | 5.30% | 6.97% | +165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 1.43% | 1.63% | 1.41% | 1.40% | 0.96% | 0.80% | 0.79% | -62 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.53% | -0.02% | -0.01% | 0.00% | 0.23% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.99% | 1.02% | 1.03% | 0.84% | 0.85% | 0.88% | -14 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.6x | 0.7x | 0.7x | 0.9x | 1.1x | 1.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.83% | 10.65% | 10.64% | 10.85% | 10.92% | 10.89% | 11.09% | 10.99% | +14 bps | |
| Total Risk-Based Capital | 15.33% | 14.76% | 15.22% | 15.24% | 15.04% | 14.88% | 15.19% | 10.99% | -424 bps | |
| Equity / Assets | 11.17% | 10.31% | 10.77% | 10.98% | 11.33% | 11.21% | 11.39% | 11.45% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.45% | 86.44% | 86.14% | 85.98% | 88.49% | 86.33% | 87.95% | 87.07% | +110 bps | |
| Liquid Assets / Assets | 0.57% | 0.53% | 0.62% | 0.44% | 0.26% | 0.25% | 0.00% | 0.00% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.02% | 155.03% | 156.29% | n/a | n/a | |
Pella, IA · Cert 10118 · Peer group: banks under $1B in assets in IA (n=134-135) · Leighton Investment Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.45%
Rank 41 of 135
Net Interest Margin
3.49%
Rank 55 of 135
Efficiency Ratio
58.09%
Rank 73 of 135
Equity / Assets
11.45%
Rank 59 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.92% | 1.19% | 1.47% | Beats 70% | 41 / 135 | ||
| Return on Equity | 12.66% | 7.99% | 10.26% | 13.14% | Beats 70% | 40 / 135 | ||
| Net Interest Margin | 3.49% | 2.95% | 3.41% | 3.73% | Beats 59% | 55 / 135 | ||
| Efficiency Ratio | 58.09% | 50.61% | 57.35% | 63.29% | Beats 47% | 73 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.03% | 0.51% | 1.26% | Beats 38% | 84 / 134 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 42% | 79 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.99% | 11.23% | 13.31% | 15.45% | Beats 20% | 108 / 135 | ||
| Total Risk-Based Capital Ratio | 10.99% | 11.61% | 14.06% | 16.47% | Beats 16% | 113 / 135 | ||
| Equity / Assets | 11.45% | 9.87% | 11.05% | 13.07% | Beats 56% | 59 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.07% | 68.54% | 81.55% | 91.24% | 63rd pctl | 50 / 134 | ||
| Loans / Assets | 74.28% | 57.61% | 68.06% | 76.23% | 69th pctl | 42 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||