Buffalo Center, IA · Cert 14195 · Koss-Winn Bancshares Employee STK Ownership Plan With 401 K Provisions
State charter, Fed member · FED · 6 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 under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
68
Profitability
36
Liquidity
31
Efficiency
57
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.
Buffalo Center, IA · Cert 14195 · Koss-Winn Bancshares Employee STK Ownership Plan With 401 K Provisions
State charter, Fed member · FED · 6 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 | 0.89% | 0.91% | 0.97% | 1.06% | 1.12% | 1.13% | 1.10% | 1.28% | +22 bps | |
| Return on Equity | 7.89% | 8.04% | 8.56% | 9.28% | 9.76% | 9.85% | 10.23% | 11.74% | +245 bps | |
| Net Interest Margin | 3.00% | 2.99% | 3.08% | 3.16% | 3.35% | 3.40% | 3.52% | 3.38% | +22 bps | |
| Efficiency Ratio | 64.55% | 64.54% | 63.29% | 61.33% | 60.61% | 61.25% | 62.82% | 59.83% | -150 bps | |
| Non-Interest Burden | 1.80% | 1.79% | 1.82% | 1.80% | 1.88% | 1.91% | 2.07% | 1.83% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | 1.52% | 2.09% | 2.63% | 1.03% | 3.87% | 1.57% | 20.06% | +1,743 bps | |
| Loan Growth (YoY) | 3.56% | -0.29% | 1.02% | 1.93% | 0.57% | 1.40% | 2.29% | 15.31% | +1,339 bps | |
| Deposit Growth (YoY) | 4.04% | 3.78% | 3.87% | 3.59% | 2.32% | 2.37% | 3.94% | 24.59% | +2,100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.77% | 0.76% | 0.77% | 0.02% | 0.09% | 0.10% | 0.06% | -71 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 1.65% | 1.61% | 1.59% | 1.61% | 1.65% | 1.62% | 1.59% | 1.51% | -11 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.1x | 2.1x | 2.1x | 88.3x | 17.6x | 16.5x | 24.1x | +22.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 11.45% | 11.42% | 11.29% | 11.53% | 11.64% | 10.07% | 9.91% | -138 bps | |
| Total Risk-Based Capital | 11.37% | 11.45% | 11.42% | 11.29% | 11.53% | 11.64% | 10.07% | 9.91% | -138 bps | |
| Equity / Assets | 11.52% | 11.29% | 11.36% | 11.56% | 11.81% | 11.24% | 10.18% | 11.17% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.50% | 103.82% | 104.42% | 105.31% | 104.68% | 102.84% | 102.77% | 97.47% | -784 bps | |
| Liquid Assets / Assets | 0.04% | 0.17% | 0.05% | 0.04% | 0.10% | 0.04% | 0.15% | 0.31% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 47.29% | 50.68% | 57.48% | n/a | n/a | |
Buffalo Center, IA · Cert 14195 · Peer group: banks under $1B in assets operating regionally (n=94) · Koss-Winn Bancshares Employee STK Ownership Plan With 401 K Provisions
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
1.16%
Rank 48 of 94
Net Interest Margin
3.38%
Rank 75 of 94
Efficiency Ratio
60.64%
Rank 41 of 94
Equity / Assets
11.17%
Rank 30 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.82% | 1.19% | 1.46% | Beats 49% | 48 / 94 | ||
| Return on Equity | 10.39% | 7.85% | 11.84% | 14.03% | Beats 38% | 58 / 94 | ||
| Net Interest Margin | 3.38% | 3.42% | 3.81% | 4.18% | Beats 20% | 75 / 94 | ||
| Efficiency Ratio | 60.64% | 55.99% | 62.41% | 73.02% | Beats 57% | 41 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.47% | 1.14% | Beats 87% | 13 / 94 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 48% | 50 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 10.28% | 11.95% | 15.07% | Beats 17% | 78 / 94 | ||
| Total Risk-Based Capital Ratio | 9.91% | 10.31% | 12.59% | 15.88% | Beats 15% | 80 / 94 | ||
| Equity / Assets | 11.17% | 8.98% | 10.21% | 11.41% | Beats 68% | 30 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.47% | 72.62% | 84.44% | 94.55% | 79th pctl | 20 / 94 | ||
| Loans / Assets | 86.19% | 62.50% | 72.84% | 78.99% | 95th pctl | 5 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||