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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.50% | 0.57% | 0.70% | 0.71% | +23 bps | |
| Return on Equity | 5.18% | 5.35% | 6.06% | 7.43% | 7.38% | +220 bps | |
| Net Interest Margin | 1.89% | 1.92% | 1.95% | 2.22% | 2.22% | +33 bps | |
| Efficiency Ratio | 68.66% | 68.07% | 64.60% | 59.49% | 59.67% | -899 bps | |
| Non-Interest Burden | 1.29% | 1.30% | 1.25% | 1.31% | 1.31% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.90% | -2.07% | 4.81% | 1.89% | 2.81% | +372 bps | |
| Loan Growth (YoY) | -0.37% | -1.52% | 1.96% | 1.69% | 5.33% | +571 bps | |
| Deposit Growth (YoY) | 0.48% | -0.43% | 4.82% | 1.31% | 2.70% | +222 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.73% | 0.17% | 0.90% | 1.42% | +126 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.06% | 0.98% | 1.02% | -10 bps | |
| Allowance Coverage of NPLs | 7.0x | 1.5x | 6.4x | 1.1x | 0.7x | -6.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.40% | 10.45% | 10.37% | 10.22% | 10.43% | +3 bps | |
| Total Risk-Based Capital | 12.42% | 10.45% | 12.05% | 10.22% | 10.43% | -199 bps | |
| Equity / Assets | 9.35% | 9.65% | 9.52% | 9.44% | 9.71% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.30% | 94.05% | 93.98% | 95.09% | 95.69% | +239 bps | |
| Liquid Assets / Assets | 4.47% | 3.95% | 2.41% | 2.19% | 1.74% | -274 bps | |
| CRE / Total Capital | n/a | 441% | 454% | 453% | n/a | n/a | |