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 |