Sanborn, IA · Cert 11352 · San Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.86% | 0.86% | 0.85% | 0.99% | 0.95% | +9 bps | |
| Return on Equity | 9.18% | 9.23% | 9.03% | 10.38% | 10.05% | +87 bps | |
| Net Interest Margin | 3.03% | 3.03% | 2.92% | 3.14% | 3.11% | +8 bps | |
| Efficiency Ratio | 64.71% | 64.72% | 65.38% | 61.73% | 61.67% | -304 bps | |
| Non-Interest Burden | 1.89% | 1.89% | 1.85% | 1.87% | 1.85% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.93% | 9.45% | 6.10% | 4.89% | 7.25% | +533 bps | |
| Loan Growth (YoY) | 5.22% | 12.74% | 6.65% | 1.97% | 7.94% | +273 bps | |
| Deposit Growth (YoY) | 2.28% | 0.30% | 0.72% | -3.13% | 2.33% | +5 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.21% | 1.25% | 1.27% | 1.25% | -3 bps | |
| Allowance Coverage of NPLs | 133.2x | 133.2x | 135.7x | 162.8x | 209.8x | +76.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.40% | 9.11% | 9.40% | 9.26% | -3 bps | |
| Total Risk-Based Capital | 9.29% | 9.40% | 9.11% | 9.40% | 9.26% | -3 bps | |
| Equity / Assets | 9.52% | 9.37% | 9.50% | 9.57% | 9.40% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.88% | 99.41% | 95.47% | 97.18% | 101.14% | +526 bps | |
| Liquid Assets / Assets | 6.61% | 6.10% | 6.07% | 5.80% | 5.43% | -118 bps | |
| CRE / Total Capital | n/a | 62.75% | 62.19% | 68.34% | n/a | n/a | |