Sanborn Savings Bank
Sanborn, IA · Cert 11352 · Peer group: banks under $1B in assets in IA (n=134-135) · San Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
$92.7MAssets
$67.4MLoans
$66.6MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in IA (rank 135 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.94%
Rank 99 of 135
Net Interest Margin
3.11%
Rank 88 of 135
Efficiency Ratio
61.67%
Rank 95 of 135
Equity / Assets
9.40%
Rank 109 of 135
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 30% 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 | 0.94% | 0.92% | 1.19% | 1.47% | Beats 27% | 99 / 135 | | |
| Return on Equity | 9.96% | 7.99% | 10.26% | 13.14% | Beats 45% | 74 / 135 | | |
| Net Interest Margin | 3.11% | 2.95% | 3.41% | 3.73% | Beats 35% | 88 / 135 | | |
| Efficiency Ratio | 61.67% | 50.61% | 57.35% | 63.29% | Beats 30% | 95 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.03% | 0.51% | 1.26% | Beats 80% | 28 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 9.26% | 11.23% | 13.31% | 15.45% | Beats 0% | 135 / 135 | | |
| Total Risk-Based Capital Ratio | 9.26% | 11.61% | 14.06% | 16.47% | Beats 0% | 135 / 135 | | |
| Equity / Assets | 9.40% | 9.87% | 11.05% | 13.07% | Beats 19% | 109 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.14% | 68.54% | 81.55% | 91.24% | 88th pctl | 16 / 134 | | |
| Loans / Assets | 72.67% | 57.61% | 68.06% | 76.23% | 61st pctl | 52 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |