Iowa City, IA · Cert 10492 · Country Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
100
Profitability
35
Liquidity
97
Efficiency
56
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.
Iowa City, IA · Cert 10492 · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 4 branches (12 in holding)
Q2 2026
Market Position · Iowa City, IA · 2026 SOD (annual) · 1.6% share · #10 of 20 inst. · $0.1B 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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.83% | 0.82% | 0.90% | 0.91% | 0.93% | 0.93% | 1.00% | +10 bps | |
| Return on Equity | 6.09% | 6.45% | 6.32% | 6.80% | 6.83% | 6.88% | 6.73% | 7.24% | +44 bps | |
| Net Interest Margin | 2.89% | 2.90% | 3.04% | 3.12% | 3.15% | 3.14% | 3.19% | 3.26% | +14 bps | |
| Efficiency Ratio | 66.63% | 66.07% | 66.01% | 63.35% | 63.29% | 63.56% | 64.13% | 62.45% | -90 bps | |
| Non-Interest Burden | 1.84% | 1.80% | 1.94% | 1.90% | 1.91% | 1.91% | 1.97% | 1.95% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.66% | 2.57% | -0.03% | -1.97% | 0.90% | -0.44% | 0.27% | 1.05% | +302 bps | |
| Loan Growth (YoY) | 21.01% | 0.90% | -2.81% | -3.00% | -5.53% | -3.45% | 0.65% | 0.79% | +379 bps | |
| Deposit Growth (YoY) | 43.46% | 4.57% | -0.72% | -2.70% | -0.26% | -3.07% | 1.08% | 2.06% | +476 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.05% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.28% | 1.25% | 1.29% | 1.30% | 1.34% | 1.30% | 1.28% | 1.29% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.38% | 13.59% | 13.14% | 13.44% | 13.41% | 13.61% | 13.38% | 13.62% | +18 bps | |
| Total Risk-Based Capital | 13.38% | 13.59% | 13.14% | 18.23% | 18.78% | 13.61% | 13.38% | 13.62% | -461 bps | |
| Equity / Assets | 13.41% | 12.96% | 13.06% | 13.58% | 13.87% | 13.90% | 13.63% | 13.99% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.75% | 78.16% | 77.37% | 78.34% | 76.48% | 77.85% | 77.04% | 77.36% | -98 bps | |
| Liquid Assets / Assets | 0.91% | 0.10% | 0.82% | 0.46% | 0.21% | 0.22% | 0.92% | 0.37% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 130.83% | 135.83% | 143.23% | n/a | n/a | |
Iowa City, IA · Cert 10492 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 4 branches (12 in holding)
Q2 2026
Return on Assets
1.01%
Rank 403 of 746
Net Interest Margin
3.26%
Rank 533 of 746
Efficiency Ratio
62.45%
Rank 327 of 746
Equity / Assets
13.99%
Rank 141 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.72% | 1.06% | 1.45% | Beats 46% | 403 / 746 | ||
| Return on Equity | 7.20% | 6.74% | 10.51% | 13.63% | Beats 29% | 533 / 746 | ||
| Net Interest Margin | 3.26% | 3.17% | 3.68% | 4.16% | Beats 29% | 533 / 746 | ||
| Efficiency Ratio | 62.45% | 55.74% | 64.58% | 75.47% | Beats 56% | 327 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.62% | 11.55% | 13.75% | 17.60% | Beats 49% | 383 / 746 | ||
| Total Risk-Based Capital Ratio | 13.62% | 11.71% | 14.33% | 18.43% | Beats 43% | 423 / 746 | ||
| Equity / Assets | 13.99% | 8.90% | 10.51% | 13.06% | Beats 81% | 141 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.36% | 61.31% | 78.27% | 90.78% | 49th pctl | 383 / 746 | ||
| Loans / Assets | 64.87% | 53.60% | 66.97% | 76.08% | 45th pctl | 411 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||