Lowden, IA · Cert 10120 · Lowden Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | -0.38% | -0.88% | 0.07% | -0.16% | 0.05%1 | -0.60% | -0.90% | -1.02% | -85 bps | |
| Return on Equity | -3.72% | -8.77% | 0.73% | -1.61% | 0.46% | -5.52% | -7.36% | -8.24% | -664 bps | |
| Net Interest Margin | 1.73% | 1.67% | 1.73% | 1.77% | 1.87% | 1.87% | 1.44% | 1.44% | -33 bps | |
| Efficiency Ratio | 147.16% | 170.00% | 98.54% | 107.98% | 99.52% | 126.34% | 156.30% | 164.63% | +5,665 bps | |
| Non-Interest Burden | 2.57% | 2.89% | 1.70% | 1.94% | 1.86% | 2.52% | 2.29% | 2.42% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | 2.38% | 1.69% | 6.99% | -5.80% | -7.34% | -14.63% | -16.23% | -2,322 bps | |
| Loan Growth (YoY) | -7.89% | -10.44% | -4.63% | 0.24% | -4.80% | 8.44% | -6.71% | -4.40% | -464 bps | |
| Deposit Growth (YoY) | 2.01% | 11.77% | 5.21% | 12.79% | -7.13% | -10.59% | -18.67% | -18.89% | -3,168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.37% | 10.60% | 9.51% | 9.49% | 9.82% | 9.15% | 29.90% | 30.07% | +2,057 bps | |
| Net Charge-Offs / Loans | -0.25% | -0.26% | 0.00% | -0.03% | -1.05% | -1.32% | -0.14% | -0.07% | -4 bps | |
| Allowance / Loans | 5.37% | 5.53% | 5.40% | 5.41% | 6.50% | 6.42% | 7.32% | 7.14% | +173 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.6x | 0.6x | 0.7x | 0.7x | 0.2x | 0.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.45% | 14.50% | 14.34% | 14.23% | 15.49% | 15.20% | 15.23% | 15.65% | +142 bps | |
| Total Risk-Based Capital | 42.52% | 39.90% | 39.81% | 40.64% | 44.15% | 41.00% | 41.98% | 41.23% | +60 bps | |
| Equity / Assets | 11.63% | 9.31% | 10.19% | 10.65% | 12.46% | 12.02% | 12.41% | 12.55% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 21.45% | 19.84% | 20.41% | 20.75% | 21.99% | 24.06% | 23.41% | 24.45% | +371 bps | |
| Liquid Assets / Assets | 11.45% | 10.32% | 10.25% | 9.63% | 8.92% | 7.96% | 8.59% | 7.09% | -254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.94% | 0.98% | 0.99% | n/a | n/a | |