Sac City, IA · Cert 10497 · Sac City Ltd.
State charter, non-member · FDIC · 3 branches
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 | 1.12% | 1.14% | 1.15% | 1.34% | 1.42% | 1.43% | 1.34% | 1.19% | -15 bps | |
| Return on Equity | 10.72% | 10.76% | 10.42% | 12.02% | 12.56% | 12.52% | 11.66% | 10.30% | -172 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.90% | 3.10% | 3.19% | 3.17% | 3.16% | 3.02% | -7 bps | |
| Efficiency Ratio | 52.36% | 52.43% | 53.63% | 49.68% | 48.17% | 48.54% | 50.19% | 52.91% | +323 bps | |
| Non-Interest Burden | 1.30% | 1.31% | 1.42% | 1.38% | 1.36% | 1.36% | 1.38% | 1.43% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | -2.98% | 2.54% | 0.88% | 2.35% | 4.37% | 7.72% | 7.56% | +667 bps | |
| Loan Growth (YoY) | 0.44% | -1.72% | -3.11% | 1.47% | 1.59% | 3.18% | 2.46% | -4.91% | -639 bps | |
| Deposit Growth (YoY) | 2.27% | 0.21% | 1.87% | 0.94% | 3.02% | 5.24% | 8.73% | 7.55% | +661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 0.63% | 0.63% | 0.21% | 0.22% | 0.20% | 1.37% | 1.84% | +163 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | -0.02% | -0.01% | -0.01% | 0.02% | 0.47% | +48 bps | |
| Allowance / Loans | 1.65% | 1.65% | 1.70% | 1.67% | 1.66% | 1.63% | 1.69% | 1.58% | -9 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.6x | 2.7x | 8.1x | 7.6x | 8.0x | 1.2x | 0.9x | -7.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 11.36% | 11.35% | 11.50% | 11.79% | 11.76% | 11.63% | 11.53% | +4 bps | |
| Total Risk-Based Capital | 11.28% | 11.36% | 11.35% | 11.50% | 11.79% | 11.76% | 11.63% | 11.53% | +4 bps | |
| Equity / Assets | 11.05% | 11.02% | 10.99% | 11.55% | 11.78% | 11.79% | 11.23% | 11.65% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.69% | 94.40% | 88.51% | 92.43% | 92.39% | 92.56% | 83.42% | 81.73% | -1,071 bps | |
| Liquid Assets / Assets | 3.51% | 1.46% | 5.10% | 2.27% | 1.43% | 1.58% | 7.61% | 5.61% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 155.20% | 159.48% | 149.99% | n/a | n/a | |