Iowa State Bank
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
$1.3BAssets
$904.5MLoans
$873.0MDeposits
$137.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 24 of 258).
- Widest gap: total risk-based capital ratio trails 79% of banks $1B-$10B in assets operating in a single state (rank 205 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $16.9M · efficiency ratio beats 89% of banks $1B-$10B in assets operating in a single state | 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 |