Sigourney, IA · Cert 12126
FDIC · 5 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.38% | 1.89% | 1.84% | 1.71% | 1.32% | 1.65% | 0.37% | -147 bps | |
| Return on Equity | 13.62% | 13.90% | 18.42% | 17.46% | 15.94% | 12.22% | 15.03% | 3.28% | -1,417 bps | |
| Net Interest Margin | 4.50% | 4.34% | 4.52% | 4.38% | 4.42% | 4.29% | 4.44% | 4.78% | +40 bps | |
| Efficiency Ratio | 52.16% | 56.93% | 46.91% | 50.58% | 52.94% | 60.21% | 51.31% | 86.56% | +3,597 bps | |
| Non-Interest Burden | 2.08% | 2.25% | 1.91% | 1.96% | 2.09% | 2.38% | 2.05% | 4.05% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.01% | 3.94% | 4.24% | 9.48% | 2.95% | 6.31% | 3.18% | -3.97% | -1,345 bps | |
| Loan Growth (YoY) | 8.91% | 9.20% | 9.99% | 7.61% | 3.58% | 6.43% | 1.27% | -0.42% | -803 bps | |
| Deposit Growth (YoY) | 4.22% | 2.32% | 3.45% | 6.22% | -0.32% | 3.36% | 0.09% | -4.50% | -1,072 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.42% | 0.38% | 0.36% | 0.49% | 1.00% | 0.89% | 0.65% | +29 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.38% | 0.00% | 0.00% | 0.52% | 0.01% | 0.02% | 0.55% | +55 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.27% | 1.28% | 1.25% | 1.28% | 1.37% | 1.31% | +2 bps | |
| Allowance Coverage of NPLs | 2.4x | 3.0x | 3.3x | 3.6x | 2.5x | 1.3x | 1.5x | 2.0x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 10.85% | 11.00% | 11.17% | 11.20% | 11.44% | 11.26% | 11.72% | +55 bps | |
| Total Risk-Based Capital | 13.16% | 13.69% | 13.46% | 13.41% | 13.85% | 13.71% | 13.71% | 13.40% | -1 bps | |
| Equity / Assets | 9.91% | 10.02% | 10.47% | 10.66% | 10.84% | 10.72% | 11.22% | 11.53% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.38% | 91.00% | 97.37% | 97.18% | 95.99% | 93.71% | 98.52% | 101.33% | +415 bps | |
| Liquid Assets / Assets | 4.37% | 6.62% | 1.92% | 3.27% | 5.44% | 7.74% | 4.46% | 1.11% | -216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 97.66% | n/a | n/a |