Marion, IA · Cert 14209 · Neighbor Insurance Agency Inc.
State charter, non-member · FDIC · 9 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
72
Asset Quality
86
Profitability
65
Liquidity
52
Efficiency
86
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.
Marion, IA · Cert 14209 · Neighbor Insurance Agency Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 10.3% share · #3 of 35 inst. · $0.9B of $8.8B
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 | 0.63% | 0.73% | 0.89% | 1.09% | 1.18% | 1.26% | 1.38% | 1.75% | +66 bps | |
| Return on Equity | 4.90% | 5.64% | 6.63% | 8.18% | 8.80% | 9.36% | 10.19% | 12.84% | +465 bps | |
| Net Interest Margin | 2.35% | 2.44% | 2.81% | 2.90% | 2.99% | 3.02% | 3.40% | 3.49% | +59 bps | |
| Efficiency Ratio | 70.65% | 67.77% | 66.24% | 60.32% | 57.63% | 55.35% | 52.92% | 46.85% | -1,348 bps | |
| Non-Interest Burden | 1.50% | 1.47% | 1.68% | 1.54% | 1.50% | 1.44% | 1.57% | 1.21% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 0.50% | 1.29% | 0.40% | 5.00% | 7.33% | 7.95% | 4.49% | +408 bps | |
| Loan Growth (YoY) | 2.99% | 1.12% | -0.57% | 2.69% | 2.95% | 7.23% | 8.75% | 7.95% | +526 bps | |
| Deposit Growth (YoY) | -1.64% | -0.54% | 5.04% | 3.29% | 7.70% | 7.27% | 8.73% | 4.38% | +109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.30% | 0.23% | 0.22% | 0.25% | 0.16% | 0.23% | 0.21% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.18% | 1.20% | 1.16% | 1.16% | 1.13% | 1.14% | 1.12% | -3 bps | |
| Allowance Coverage of NPLs | 54.3x | 3.9x | 5.2x | 5.3x | 4.7x | 7.1x | 5.1x | 5.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.54% | 13.97% | 14.22% | 14.05% | 14.15% | 13.92% | 14.12% | 14.37% | +32 bps | |
| Total Risk-Based Capital | 13.54% | 13.97% | 14.22% | 14.05% | 14.15% | 13.92% | 14.12% | 14.37% | +32 bps | |
| Equity / Assets | 13.42% | 13.35% | 13.39% | 13.32% | 13.66% | 13.59% | 13.43% | 14.00% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.19% | 92.91% | 90.62% | 91.66% | 91.95% | 92.88% | 90.64% | 94.79% | +313 bps | |
| Liquid Assets / Assets | 2.75% | 3.57% | 5.40% | 3.26% | 3.76% | 2.51% | 4.12% | 1.15% | -211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 333% | 326% | n/a | n/a | |
Marion, IA · Cert 14209 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Neighbor Insurance Agency Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.76%
Rank 32 of 258
Net Interest Margin
3.49%
Rank 128 of 258
Efficiency Ratio
46.85%
Rank 37 of 257
Equity / Assets
14.00%
Rank 23 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.76% | 0.93% | 1.23% | 1.54% | Beats 88% | 32 / 258 | ||
| Return on Equity | 12.54% | 9.26% | 11.84% | 14.74% | Beats 56% | 114 / 258 | ||
| Net Interest Margin | 3.49% | 3.16% | 3.49% | 3.88% | Beats 50% | 128 / 258 | ||
| Efficiency Ratio | 46.85% | 51.71% | 60.30% | 69.65% | Beats 86% | 37 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.46% | 0.90% | Beats 72% | 72 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.37% | 11.41% | 12.98% | 15.12% | Beats 69% | 79 / 258 | ||
| Total Risk-Based Capital Ratio | 14.37% | 12.10% | 13.91% | 16.08% | Beats 55% | 116 / 258 | ||
| Equity / Assets | 14.00% | 9.09% | 10.24% | 11.72% | Beats 91% | 23 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.79% | 73.24% | 86.34% | 95.95% | 73rd pctl | 69 / 258 | ||
| Loans / Assets | 77.92% | 63.01% | 72.27% | 78.40% | 71st pctl | 75 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||