State Center, IA · Cert 10903 · State Center Financial Inc.
State charter, non-member · FDIC · 3 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 in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
44
Profitability
12
Liquidity
30
Efficiency
39
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.
State Center, IA · Cert 10903 · State Center Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 2.1% share · #12 of 26 inst. · $0.1B of $3.8B
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 | 0.52% | 0.61% | 0.44% | 0.48% | 0.50% | 0.57% | 0.70% | 0.71% | +23 bps | |
| Return on Equity | 5.80% | 6.70% | 4.88% | 5.18% | 5.35% | 6.06% | 7.43% | 7.38% | +220 bps | |
| Net Interest Margin | 1.73% | 1.78% | 1.81% | 1.89% | 1.92% | 1.95% | 2.22% | 2.22% | +33 bps | |
| Efficiency Ratio | 67.21% | 66.96% | 69.80% | 68.66% | 68.07% | 64.60% | 59.49% | 59.67% | -899 bps | |
| Non-Interest Burden | 1.15% | 1.18% | 1.26% | 1.29% | 1.30% | 1.25% | 1.31% | 1.31% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.53% | 9.74% | 6.30% | -0.90% | -2.07% | 4.81% | 1.89% | 2.81% | +372 bps | |
| Loan Growth (YoY) | 17.08% | 8.68% | 6.56% | -0.37% | -1.52% | 1.96% | 1.69% | 5.33% | +571 bps | |
| Deposit Growth (YoY) | 18.41% | 14.60% | 8.86% | 0.48% | -0.43% | 4.82% | 1.31% | 2.70% | +222 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.10% | 0.16% | 0.73% | 0.17% | 0.90% | 1.42% | +126 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.08% | 1.12% | 1.10% | 1.06% | 0.98% | 1.02% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 10.9x | 7.0x | 1.5x | 6.4x | 1.1x | 0.7x | -6.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 10.26% | 10.26% | 10.40% | 10.45% | 10.37% | 10.22% | 10.43% | +3 bps | |
| Total Risk-Based Capital | 10.09% | 10.26% | 10.26% | 12.42% | 10.45% | 12.05% | 10.22% | 10.43% | -199 bps | |
| Equity / Assets | 9.08% | 9.05% | 9.16% | 9.35% | 9.65% | 9.52% | 9.44% | 9.71% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.10% | 96.62% | 94.73% | 93.30% | 94.05% | 93.98% | 95.09% | 95.69% | +239 bps | |
| Liquid Assets / Assets | 4.38% | 2.56% | 3.29% | 4.47% | 3.95% | 2.41% | 2.19% | 1.74% | -274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 441% | 454% | 453% | n/a | n/a | |
State Center, IA · Cert 10903 · Peer group: banks under $1B in assets in IA (n=134-135) · State Center Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 117 of 135
Net Interest Margin
2.22%
Rank 130 of 135
Efficiency Ratio
59.67%
Rank 84 of 135
Equity / Assets
9.71%
Rank 104 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.92% | 1.19% | 1.47% | Beats 13% | 117 / 135 | ||
| Return on Equity | 7.32% | 7.99% | 10.26% | 13.14% | Beats 20% | 108 / 135 | ||
| Net Interest Margin | 2.22% | 2.95% | 3.41% | 3.73% | Beats 4% | 130 / 135 | ||
| Efficiency Ratio | 59.67% | 50.61% | 57.35% | 63.29% | Beats 39% | 84 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.03% | 0.51% | 1.26% | Beats 23% | 104 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 64% | 52 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.43% | 11.23% | 13.31% | 15.45% | Beats 10% | 121 / 135 | ||
| Total Risk-Based Capital Ratio | 10.43% | 11.61% | 14.06% | 16.47% | Beats 8% | 124 / 135 | ||
| Equity / Assets | 9.71% | 9.87% | 11.05% | 13.07% | Beats 23% | 104 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.69% | 68.54% | 81.55% | 91.24% | 83rd pctl | 23 / 134 | ||
| Loans / Assets | 79.92% | 57.61% | 68.06% | 76.23% | 85th pctl | 20 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||