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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.50% | 0.57% | 0.66% | 0.87% | 0.88% | 0.94% | 0.96% | +30 bps | |
| Return on Equity | 4.94% | 5.99% | 6.86% | 8.06% | 10.34% | 9.96% | 10.57% | 10.75% | +268 bps | |
| Net Interest Margin | 2.15% | 2.27% | 2.43% | 2.58% | 2.65% | 2.89% | 2.75% | 2.86% | +28 bps | |
| Efficiency Ratio | 79.91% | 78.77% | 69.20% | 65.51% | 63.15% | 68.73% | 60.04% | 61.66% | -386 bps | |
| Non-Interest Burden | 1.64% | 1.74% | 1.59% | 1.59% | 1.51% | 1.93% | 1.50% | 1.65% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 0.32% | 2.63% | 0.95% | 2.97% | 4.21% | 5.57% | 4.98% | +403 bps | |
| Loan Growth (YoY) | 2.40% | 3.91% | 2.53% | 4.87% | 7.90% | 5.56% | 10.00% | 5.90% | +104 bps | |
| Deposit Growth (YoY) | 5.70% | 2.32% | 4.58% | 2.06% | 3.31% | -1.64% | 2.01% | 4.42% | +236 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.77% | 0.47% | 0.17% | 0.18% | 0.25% | 0.27% | 0.26% | +9 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | +7 bps | |
| Allowance / Loans | 1.13% | 1.14% | 1.19% | 1.19% | 1.19% | 1.20% | 1.21% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 2.5x | 6.9x | 6.8x | 4.8x | 4.4x | 4.5x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.98% | 9.01% | 9.16% | 9.17% | 9.26% | 9.35% | 9.32% | 9.33% | +15 bps | |
| Total Risk-Based Capital | 13.30% | 12.99% | 13.28% | 13.05% | 13.20% | 13.16% | 13.27% | 13.66% | +61 bps | |
| Equity / Assets | 8.46% | 8.30% | 8.26% | 8.23% | 8.69% | 8.91% | 8.88% | 9.01% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.29% | 80.43% | 78.53% | 82.64% | 81.77% | 86.31% | 84.68% | 83.82% | +118 bps | |
| Liquid Assets / Assets | 4.31% | 1.70% | 3.70% | 2.51% | 3.05% | 1.51% | 2.46% | 3.18% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 284% | 292% | n/a | n/a | |