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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.83% | 0.44% | 0.51% | 0.54% | 0.77% | 0.70% | 0.71% | +20 bps | |
| Return on Equity | 7.38% | 9.11% | 4.88% | 5.46% | 5.71% | 8.03% | 7.43% | 7.39% | +192 bps | |
| Net Interest Margin | 1.81% | 1.93% | 1.81% | 1.94% | 2.00% | 2.17% | 2.22% | 2.22% | +28 bps | |
| Efficiency Ratio | 63.82% | 66.30% | 69.80% | 67.57% | 66.96% | 55.63% | 59.49% | 59.85% | -772 bps | |
| Non-Interest Burden | 1.14% | 1.27% | 1.26% | 1.30% | 1.33% | 1.19% | 1.31% | 1.32% | +2 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 | 0.00% | -0.31% | 0.00% | 0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -1 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 | |