Traer, IA · Cert 10122 · Talen Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.3% share · #17 of 35 inst. · $0.1B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.92% | 1.11% | 1.04% | 1.09% | +12 bps | |
| Return on Equity | 18.59% | 15.83% | 16.84% | 15.48% | 16.24% | -235 bps | |
| Net Interest Margin | 2.81% | 2.88% | 3.01% | 3.08% | 3.20% | +39 bps | |
| Efficiency Ratio | 60.44% | 60.44% | 59.60% | 59.61% | 61.64% | +120 bps | |
| Non-Interest Burden | 1.56% | 1.63% | 1.60% | 1.72% | 1.87% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.99% | 6.97% | 3.58% | 1.81% | -1.27% | -627 bps | |
| Loan Growth (YoY) | 6.14% | 6.29% | 3.54% | 5.44% | 6.26% | +12 bps | |
| Deposit Growth (YoY) | 10.69% | 5.80% | 3.05% | 0.09% | -3.38% | -1,407 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.03% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 0.64% | 0.64% | 0.63% | 0.64% | 0.64% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 23.6x | 92.6x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.77% | 9.99% | 10.04% | 10.27% | 10.25% | +49 bps | |
| Total Risk-Based Capital | 18.01% | 18.27% | 18.48% | 18.06% | 19.09% | +108 bps | |
| Equity / Assets | 5.43% | 6.19% | 7.02% | 6.49% | 7.01% | +159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.31% | 53.51% | 59.91% | 54.41% | 59.73% | +542 bps | |
| Liquid Assets / Assets | 5.22% | 5.26% | 0.00% | 9.42% | 1.27% | -395 bps | |
| CRE / Total Capital | n/a | 68.28% | 74.49% | 73.03% | n/a | n/a | |