Ashton State Bank
Ashton, IA · Cert 11343 · Peer group: banks under $1B in assets in IA (n=134-135) · Ashton Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$54.5MAssets
$34.6MLoans
$44.5MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: nonperforming loans / loans trails 66% of banks under $1B in assets in IA (rank 90 of 134).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.15%
Rank 75 of 135
Net Interest Margin
3.35%
Rank 73 of 135
Efficiency Ratio
55.64%
Rank 65 of 135
Equity / Assets
12.04%
Rank 51 of 135
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 53% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.92% | 1.19% | 1.47% | Beats 44% | 75 / 135 | | |
| Return on Equity | 9.59% | 7.99% | 10.26% | 13.14% | Beats 41% | 80 / 135 | | |
| Net Interest Margin | 3.35% | 2.95% | 3.41% | 3.73% | Beats 46% | 73 / 135 | | |
| Efficiency Ratio | 55.64% | 50.61% | 57.35% | 63.29% | Beats 53% | 65 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.03% | 0.51% | 1.26% | Beats 34% | 90 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 19.26% | 11.23% | 13.31% | 15.45% | Beats 88% | 16 / 135 | | |
| Total Risk-Based Capital Ratio | 20.26% | 11.61% | 14.06% | 16.47% | Beats 88% | 16 / 135 | | |
| Equity / Assets | 12.04% | 9.87% | 11.05% | 13.07% | Beats 62% | 51 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.64% | 68.54% | 81.55% | 91.24% | 43rd pctl | 77 / 134 | | |
| Loans / Assets | 63.43% | 57.61% | 68.06% | 76.23% | 37th pctl | 85 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |