Keokuk County State Bank
Sigourney, IA · Cert 12126 · Peer group: banks under $1B in assets in IA (n=138-139)
FDIC · 5 branches
Q3 2025
$230.4MAssets
$198.6MLoans
$196.0MDeposits
$26.6MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in IA (rank 81 of 138).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in IA (rank 121 of 138).
- Overall: at or above the peer median on 5 of 10 directional measures.
Return on Assets
1.16%
Rank 56 of 139
Net Interest Margin
4.65%
Rank 2 of 139
Efficiency Ratio
66.40%
Rank 100 of 139
Equity / Assets
11.53%
Rank 57 of 139
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 29% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.77% | 1.06% | 1.30% | Beats 60% | 56 / 139 | | |
| Return on Equity | 10.10% | 6.40% | 9.09% | 11.62% | Beats 62% | 53 / 139 | | |
| Net Interest Margin | 4.65% | 2.70% | 3.13% | 3.56% | Beats 99% | 2 / 139 | | |
| Efficiency Ratio | 66.40% | 53.09% | 59.26% | 67.99% | Beats 29% | 100 / 139 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.04% | 0.47% | 1.25% | Beats 40% | 84 / 138 | | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.02% | 0.08% | Beats 13% | 121 / 138 | | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 11.37% | 13.29% | 15.15% | Beats 35% | 91 / 139 | | |
| Total Risk-Based Capital Ratio | 13.40% | 11.79% | 13.96% | 16.13% | Beats 41% | 82 / 139 | | |
| Equity / Assets | 11.53% | 9.48% | 10.77% | 12.91% | Beats 59% | 57 / 139 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.33% | 68.19% | 80.22% | 91.73% | 91st pctl | 13 / 138 | | |
| Loans / Assets | 86.16% | 57.14% | 66.93% | 75.55% | 94th pctl | 8 / 138 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.57% | Beats 100% | 81 / 138 | n/a | |