PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Availa Bank

Carroll, IA · Cert 11771 · Carroll County Bancshares Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$156.1MEquity
Loan mix
87%RE $888.0M12%C&I $127.2M0%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.2B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Ames, IA · 2026 SOD (annual) · 8.6% share · #5 of 26 inst. · $0.3B of $3.8B

10.6% Story
20.6% Carroll
9.1% Pottawattamie
24.2% Hamilton

Executive Summary

  • Earnings: ROA of 0.95%, up 34 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.26% of loans (+9 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.33%, up 15 bps from a year ago.
  • Funding: loans stand at 83.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+28 bps YoY

Efficiency Ratio (YTD, annualized)

60.86%-644 bps YoY

Tier 1 Leverage Ratio

9.33%+15 bps YoY

NIM

4.32%Q2 ’244.45%Q2 ’254.65%Q2 ’26+18%+11%

Non-interest income vs. expense

1.88%Q2 ’241.86%Q2 ’251.88%Q2 ’26+1%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.45%0.57%0.62%0.70%0.75%0.94%0.95%+34 bps
Return on Equity5.30%5.50%6.86%7.47%8.40%8.81%10.57%10.67%+320 bps
Net Interest Margin2.10%2.13%2.43%2.50%2.54%2.61%2.75%2.78%+28 bps
Efficiency Ratio78.44%78.52%69.20%67.30%65.81%66.57%60.04%60.86%-644 bps
Non-Interest Burden1.58%1.61%1.59%1.58%1.55%1.64%1.50%1.56%-2 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 / Loans0.78%0.77%0.47%0.17%0.18%0.25%0.27%0.26%+9 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.13%1.14%1.19%1.19%1.19%1.20%1.21%1.18%-2 bps
Allowance Coverage of NPLs1.5x1.5x2.5x6.9x6.8x4.8x4.4x4.5x-2.3x
Capital
Tier 1 Leverage Ratio8.98%9.01%9.16%9.17%9.26%9.35%9.32%9.33%+15 bps
Total Risk-Based Capital13.30%12.99%13.28%13.05%13.20%13.16%13.27%13.66%+61 bps
Equity / Assets8.46%8.30%8.26%8.23%8.69%8.91%8.88%9.01%+79 bps
Liquidity & Funding
Loans / Deposits78.29%80.43%78.53%82.64%81.77%86.31%84.68%83.82%+118 bps
Liquid Assets / Assets4.31%1.70%3.70%2.51%3.05%1.51%2.46%3.18%+67 bps
CRE / Total Capitaln/an/an/an/a280%284%292%n/an/a