Coralville, IA · Cert 10123
FDIC · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 operating in a single state (n=870 to 877). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
58
Profitability
3
Liquidity
0
Efficiency
2
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.
Coralville, IA · Cert 10123
FDIC · 2 branches
Q2 2025
Market Position · Iowa City, IA · 2025 SOD (annual) · 0.8% share · #13 of 20 inst. · $0.0B of $5.9B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | -0.62% | -1.65% | -1.09% | -1.17% | -0.75% | -0.90% | -0.39% | +70 bps | |
| Return on Equity | -21.13% | -12.03% | -26.85% | -18.23% | -18.51% | -11.69% | -12.67% | -5.42% | +1,280 bps | |
| Net Interest Margin | 1.42% | 1.40% | 1.36% | 1.50% | 1.55% | 1.58% | 1.83% | 1.91% | +42 bps | |
| Efficiency Ratio | 152.71% | 157.94% | 177.88% | 151.02% | 158.87% | 160.82% | 145.10% | 125.04% | -2,598 bps | |
| Non-Interest Burden | 2.22% | 2.27% | 2.51% | 2.32% | 2.54% | 2.63% | 2.71% | 2.43% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.29% | -15.52% | -6.77% | -5.73% | -11.24% | -7.71% | -8.35% | -8.78% | -305 bps | |
| Loan Growth (YoY) | 4.09% | 9.46% | 16.93% | 3.13% | 7.69% | 0.33% | -6.07% | -1.47% | -460 bps | |
| Deposit Growth (YoY) | -22.26% | -17.85% | -12.51% | -4.11% | -11.86% | -5.37% | -7.45% | -10.77% | -666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.23% | 1.96% | 1.88% | 3.70% | 3.62% | 1.62% | 3.49% | 1.46% | -225 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 0.98% | 1.18% | 1.27% | 1.17% | 1.20% | 1.23% | 1.28% | +1 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.6x | 0.3x | 0.3x | 0.7x | 0.4x | 0.9x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 10.14% | 10.06% | 9.55% | 10.34% | 10.64% | 10.81% | 10.15% | +59 bps | |
| Total Risk-Based Capital | 18.56% | 19.08% | 19.32% | 18.38% | 20.30% | 10.64% | 10.81% | 10.15% | -823 bps | |
| Equity / Assets | 4.40% | 6.28% | 6.04% | 5.66% | 7.47% | 6.83% | 7.33% | 7.31% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.60% | 23.53% | 25.26% | 22.09% | 31.27% | 24.95% | 25.63% | 24.39% | +230 bps | |
| Liquid Assets / Assets | 0.91% | 0.90% | 0.48% | 7.96% | 0.51% | 4.54% | 3.10% | 9.15% | +118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Coralville, IA · Cert 10123 · Peer group: banks under $1B in assets operating in a single state (n=870-877)
FDIC · 2 branches
Q2 2025
Return on Assets
-0.38%
Rank 847 of 877
Net Interest Margin
1.91%
Rank 849 of 877
Efficiency Ratio
125.04%
Rank 858 of 877
Equity / Assets
7.31%
Rank 748 of 877
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.38% | 0.59% | 0.91% | 1.33% | Beats 3% | 847 / 877 | ||
| Return on Equity | -5.25% | 5.70% | 9.44% | 12.92% | Beats 3% | 849 / 875 | ||
| Net Interest Margin | 1.91% | 2.93% | 3.45% | 4.01% | Beats 3% | 849 / 877 | ||
| Efficiency Ratio | 125.04% | 58.83% | 68.07% | 78.03% | Beats 2% | 858 / 877 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.46% | 0.06% | 0.40% | 1.05% | Beats 16% | 733 / 870 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 207 / 870 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.15% | 11.42% | 13.82% | 17.56% | Beats 10% | 790 / 877 | ||
| Total Risk-Based Capital Ratio | 10.15% | 11.77% | 14.35% | 18.30% | Beats 9% | 795 / 877 | ||
| Equity / Assets | 7.31% | 8.27% | 10.06% | 12.60% | Beats 15% | 748 / 877 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.39% | 61.05% | 77.58% | 89.60% | 2nd pctl | 862 / 877 | ||
| Loans / Assets | 21.54% | 53.01% | 66.67% | 76.13% | 1st pctl | 860 / 870 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||