Availa Bank
Carroll, IA · Cert 11771 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Carroll County Bancshares Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BDeposits
$156.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks $1B-$10B in assets operating in a single state (rank 88 of 258).
- Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating in a single state (rank 229 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.95%
Rank 190 of 258
Net Interest Margin
2.78%
Rank 229 of 258
Efficiency Ratio
61.37%
Rank 139 of 257
Equity / Assets
9.01%
Rank 199 of 258
Non-interest income vs. expense
Unfavorable gap of $27.6M · efficiency ratio beats 46% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.23% | 1.54% | Beats 26% | 190 / 258 | |
| Return on Equity | 10.51% | 9.26% | 11.84% | 14.74% | Beats 37% | 162 / 258 | |
| Net Interest Margin | 2.78% | 3.16% | 3.49% | 3.88% | Beats 11% | 229 / 258 | |
| Efficiency Ratio | 61.37% | 51.71% | 60.30% | 69.65% | Beats 46% | 139 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.90% | Beats 66% | 88 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 49% | 133 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 11.41% | 12.98% | 15.12% | Beats 42% | 150 / 258 | |
| Total Risk-Based Capital Ratio | 13.66% | 12.10% | 13.91% | 16.08% | Beats 46% | 140 / 258 | |
| Equity / Assets | 9.01% | 9.09% | 10.24% | 11.72% | Beats 23% | 199 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 83.82% | 73.24% | 86.34% | 95.95% | 44th pctl | 145 / 258 | |
| Loans / Assets | 68.74% | 63.01% | 72.27% | 78.40% | 37th pctl | 163 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |