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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.99% | 0.90% | 1.34% | 1.13% | 1.10% | 1.37% | 1.57% | +24 bps | |
| Return on Equity | 10.88% | 9.19% | 8.53% | 12.30% | 10.13% | 9.75% | 12.11% | 13.78% | +147 bps | |
| Net Interest Margin | 3.08% | 2.97% | 3.00% | 3.15% | 3.30% | 3.41% | 3.48% | 3.60% | +44 bps | |
| Efficiency Ratio | 62.76% | 66.80% | 69.42% | 59.16% | 64.94% | 65.81% | 61.09% | 55.09% | -408 bps | |
| Non-Interest Burden | 1.43% | 1.57% | 1.71% | 1.29% | 1.70% | 1.80% | 1.57% | 1.45% | +17 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 | 0.01% | 0.10% | -0.02% | 0.00% | 0.00% | 0.94% | 0.04% | -0.01% | -1 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 | |