Savings Bank
Primghar, IA · Cert 13735 · Peer group: banks under $1B in assets in IA (n=134-135) · Capital Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$304.8MAssets
$230.3MLoans
$242.1MDeposits
$38.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of banks under $1B in assets in IA (rank 30 of 135).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in IA (rank 129 of 134).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.16%
Rank 73 of 135
Net Interest Margin
3.46%
Rank 60 of 135
Efficiency Ratio
49.29%
Rank 30 of 135
Equity / Assets
12.63%
Rank 40 of 135
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 79% 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% | 0.92% | 1.19% | 1.47% | Beats 46% | 73 / 135 | | |
| Return on Equity | 9.17% | 7.99% | 10.26% | 13.14% | Beats 37% | 85 / 135 | | |
| Net Interest Margin | 3.46% | 2.95% | 3.41% | 3.73% | Beats 56% | 60 / 135 | | |
| Efficiency Ratio | 49.29% | 50.61% | 57.35% | 63.29% | Beats 79% | 30 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.03% | 0.51% | 1.26% | Beats 57% | 59 / 134 | | |
| Net Charge-Offs / Loans | 0.33% | n/a | 0.01% | 0.03% | Beats 4% | 129 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 13.60% | 11.23% | 13.31% | 15.45% | Beats 54% | 62 / 135 | | |
| Total Risk-Based Capital Ratio | 13.60% | 11.61% | 14.06% | 16.47% | Beats 47% | 71 / 135 | | |
| Equity / Assets | 12.63% | 9.87% | 11.05% | 13.07% | Beats 70% | 40 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.11% | 68.54% | 81.55% | 91.24% | 81st pctl | 25 / 134 | | |
| Loans / Assets | 75.55% | 57.61% | 68.06% | 76.23% | 74th pctl | 35 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |