Hull, IA · Cert 13953 · Vogel Bancshares Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
77
Profitability
63
Liquidity
2
Efficiency
89
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hull, IA · Cert 13953 · Vogel Bancshares Inc.
State charter, Fed member · FED · 14 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.22% | 1.29% | 1.37% | 1.40% | 1.50% | 1.49% | 1.60% | +23 bps | |
| Return on Equity | 13.78% | 13.48% | 13.85% | 14.63% | 14.77% | 15.65% | 14.44% | 15.18% | +55 bps | |
| Net Interest Margin | 2.85% | 2.87% | 3.02% | 3.09% | 3.05% | 3.04% | 3.30% | 3.33% | +24 bps | |
| Efficiency Ratio | 50.53% | 51.11% | 51.92% | 49.45% | 48.54% | 47.47% | 49.35% | 45.75% | -370 bps | |
| Non-Interest Burden | 1.25% | 1.26% | 1.40% | 1.33% | 1.28% | 1.21% | 1.44% | 1.31% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.59% | 9.86% | 2.62% | 1.05% | 5.86% | 8.78% | 6.38% | 4.85% | +381 bps | |
| Loan Growth (YoY) | 8.94% | 5.46% | 3.51% | 7.52% | 9.38% | 10.22% | 9.86% | 6.28% | -124 bps | |
| Deposit Growth (YoY) | 10.79% | 9.57% | 12.58% | 5.23% | 5.60% | 3.23% | -2.37% | -1.11% | -634 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.04% | 2.72% | 4.39% | 1.52% | 0.59% | 0.26% | 0.26% | 0.06% | -145 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.02% | 0.01% | 0.02% | -0.13% | -0.07% | -8 bps | |
| Allowance / Loans | 1.13% | 1.17% | 1.18% | 1.11% | 1.12% | 1.14% | 1.20% | 1.19% | +7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.7x | 1.9x | 4.4x | 4.6x | 19.0x | +18.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.69% | 10.89% | 11.24% | 10.94% | 11.14% | 11.38% | 11.72% | +49 bps | |
| Total Risk-Based Capital | 10.41% | 10.69% | 10.89% | 11.24% | 10.94% | 11.14% | 11.38% | 11.72% | +49 bps | |
| Equity / Assets | 9.23% | 9.23% | 9.43% | 9.51% | 9.65% | 10.22% | 10.47% | 10.91% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.39% | 89.41% | 87.05% | 96.40% | 99.84% | 95.46% | 97.96% | 103.61% | +721 bps | |
| Liquid Assets / Assets | 0.45% | 0.33% | 0.24% | 0.25% | 0.31% | 0.17% | 0.11% | 0.09% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 148.03% | 137.04% | 135.61% | n/a | n/a | |
Hull, IA · Cert 13953 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Vogel Bancshares Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Return on Assets
1.59%
Rank 56 of 258
Net Interest Margin
3.33%
Rank 159 of 258
Efficiency Ratio
45.75%
Rank 29 of 257
Equity / Assets
10.91%
Rank 100 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.93% | 1.23% | 1.54% | Beats 78% | 56 / 258 | ||
| Return on Equity | 14.60% | 9.26% | 11.84% | 14.74% | Beats 74% | 67 / 258 | ||
| Net Interest Margin | 3.33% | 3.16% | 3.49% | 3.88% | Beats 38% | 159 / 258 | ||
| Efficiency Ratio | 45.75% | 51.71% | 60.30% | 69.65% | Beats 89% | 29 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.46% | 0.90% | Beats 91% | 24 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 63% | 96 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.72% | 11.41% | 12.98% | 15.12% | Beats 28% | 186 / 258 | ||
| Total Risk-Based Capital Ratio | 11.72% | 12.10% | 13.91% | 16.08% | Beats 21% | 205 / 258 | ||
| Equity / Assets | 10.91% | 9.09% | 10.24% | 11.72% | Beats 61% | 100 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.61% | 73.24% | 86.34% | 95.95% | 89th pctl | 29 / 258 | ||
| Loans / Assets | 71.96% | 63.01% | 72.27% | 78.40% | 49th pctl | 131 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||