Spillville, IA · Cert 12128
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.40% | 0.46% | 0.45% | 0.70% | 0.67% | +27 bps | |
| Return on Equity | 4.41% | 4.94% | 4.73% | 6.86% | 6.41% | +201 bps | |
| Net Interest Margin | 1.67% | 1.73% | 1.76% | 2.00% | 2.00% | +33 bps | |
| Efficiency Ratio | 73.46% | 70.53% | 73.45% | 58.56% | 61.27% | -1,219 bps | |
| Non-Interest Burden | 1.21% | 1.20% | 1.27% | 1.15% | 1.21% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.18% | 1.55% | 4.70% | 8.17% | 11.02% | +1,319 bps | |
| Loan Growth (YoY) | 1.20% | 7.48% | 6.08% | 5.05% | 8.09% | +689 bps | |
| Deposit Growth (YoY) | 2.16% | 0.46% | 6.99% | 7.32% | 9.95% | +779 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.69% | 0.11% | 0.18% | 0.05% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.01% | 1.89% | 1.83% | 1.86% | 1.80% | -20 bps | |
| Allowance Coverage of NPLs | 9.0x | 2.7x | 17.2x | 10.5x | 36.4x | +27.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.61% | 15.63% | 15.55% | 15.48% | 15.54% | -8 bps | |
| Total Risk-Based Capital | 15.61% | 15.63% | 15.55% | 15.48% | 15.54% | -8 bps | |
| Equity / Assets | 8.87% | 9.90% | 10.66% | 9.85% | 10.70% | +183 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.98% | 57.63% | 54.71% | 52.26% | 53.06% | -91 bps | |
| Liquid Assets / Assets | 1.57% | 0.32% | 2.48% | 6.99% | 4.49% | +292 bps | |
| CRE / Total Capital | n/a | 6.49% | 7.92% | 7.91% | n/a | n/a | |