Mount Vernon, IA · Cert 12717 · Orion Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (11 in holding)
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.3% share · #32 of 35 inst. · $0.0B of $8.8B
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 | 1.13% | 1.33% | 1.35% | 0.76% | -2.39% | 2.80% | 1.30% | 1.21% | +45 bps | |
| Return on Equity | 9.80% | 11.53% | 11.28% | 6.42% | -18.70% | 19.64% | 8.83% | 7.92% | +150 bps | |
| Net Interest Margin | 3.25% | 3.44% | 3.55% | 3.70% | -2.26% | 4.70% | 4.61% | 4.58% | +88 bps | |
| Efficiency Ratio | 61.06% | 58.53% | 56.57% | 54.89% | 53.90% | 47.99% | 43.30% | 46.16% | -872 bps | |
| Non-Interest Burden | 1.80% | 1.79% | 1.74% | 1.75% | -0.93% | 2.76% | 2.56% | 2.64% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 7.96% | 2.66% | 2.42% | 9.89% | 16.78% | 18.00% | 11.44% | +902 bps | |
| Loan Growth (YoY) | 16.81% | 15.50% | 11.56% | 9.60% | 5.68% | 3.05% | 5.01% | 3.36% | -624 bps | |
| Deposit Growth (YoY) | 11.09% | 7.66% | 9.89% | 11.08% | 15.03% | 16.25% | 13.62% | 4.79% | -629 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 1.32% | -1.33% | -0.04% | -0.01% | 0.00% | -132 bps | |
| Allowance / Loans | 0.85% | 0.81% | 0.81% | 0.81% | 0.81% | 1.01% | 1.02% | 1.05% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 36.9x | 36.8x | 32.8x | 34.9x | 37.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.89% | 12.24% | 12.81% | 11.69% | 9.30% | 9.79% | 9.87% | 10.49% | -120 bps | |
| Total Risk-Based Capital | 11.89% | 12.24% | 12.81% | 11.69% | 9.30% | 9.79% | 9.87% | 10.49% | -120 bps | |
| Equity / Assets | 11.41% | 11.74% | 12.24% | 11.45% | 13.96% | 14.54% | 14.78% | 15.86% | +441 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.43% | 88.34% | 86.27% | 85.86% | 77.56% | 78.31% | 79.73% | 84.69% | -117 bps | |
| Liquid Assets / Assets | 10.91% | 5.83% | 5.53% | 8.70% | 15.50% | 17.02% | 16.58% | 13.51% | +481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.13% | 97.21% | 94.75% | n/a | n/a | |