Carroll, IA · Cert 11771 · Carroll County Bancshares Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 8.6% share · #5 of 26 inst. · $0.3B of $3.8B
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 | 0.62% | 0.70% | 0.75% | 0.94% | 0.95% | +34 bps | |
| Return on Equity | 7.47% | 8.40% | 8.81% | 10.57% | 10.67% | +320 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.61% | 2.75% | 2.78% | +28 bps | |
| Efficiency Ratio | 67.30% | 65.81% | 66.57% | 60.04% | 60.86% | -644 bps | |
| Non-Interest Burden | 1.58% | 1.55% | 1.64% | 1.50% | 1.56% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.95% | 2.97% | 4.21% | 5.57% | 4.98% | +403 bps | |
| Loan Growth (YoY) | 4.87% | 7.90% | 5.56% | 10.00% | 5.90% | +104 bps | |
| Deposit Growth (YoY) | 2.06% | 3.31% | -1.64% | 2.01% | 4.42% | +236 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.18% | 0.25% | 0.27% | 0.26% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.20% | 1.21% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 6.9x | 6.8x | 4.8x | 4.4x | 4.5x | -2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.17% | 9.26% | 9.35% | 9.32% | 9.33% | +15 bps | |
| Total Risk-Based Capital | 13.05% | 13.20% | 13.16% | 13.27% | 13.66% | +61 bps | |
| Equity / Assets | 8.23% | 8.69% | 8.91% | 8.88% | 9.01% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.64% | 81.77% | 86.31% | 84.68% | 83.82% | +118 bps | |
| Liquid Assets / Assets | 2.51% | 3.05% | 1.51% | 2.46% | 3.18% | +67 bps | |
| CRE / Total Capital | n/a | 280% | 284% | 292% | n/a | n/a | |