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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 1.03% | 0.89% | 1.30% | 1.36% | 1.48% | 1.38% | 2.13% | +83 bps | |
| Return on Equity | 6.18% | 7.69% | 6.63% | 9.72% | 10.06% | 10.83% | 10.19% | 15.50% | +578 bps | |
| Net Interest Margin | 2.44% | 2.60% | 2.81% | 3.08% | 3.21% | 3.36% | 3.40% | 3.62% | +54 bps | |
| Efficiency Ratio | 65.90% | 59.79% | 66.24% | 55.04% | 52.74% | 49.32% | 52.92% | 41.92% | -1,312 bps | |
| Non-Interest Burden | 1.40% | 1.32% | 1.68% | 1.45% | 1.44% | 1.40% | 1.57% | 0.87% | -58 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 | |