Dubuque, IA · Cert 14382 · Fidelity Co.
State charter, non-member · FDIC · 36 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 regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
53
Profitability
46
Liquidity
99
Efficiency
81
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.
Dubuque, IA · Cert 14382 · Fidelity Co.
State charter, non-member · FDIC · 36 branches
Q2 2026
Market Position · Dubuque, IA · 2026 SOD (annual) · 18.8% share · #3 of 9 inst. · $0.7B of $3.6B
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 | 0.58% | 0.67% | 0.89% | 0.97% | 0.98% | 1.06% | 1.31% | 1.30% | +33 bps | |
| Return on Equity | 5.90% | 6.74% | 8.92% | 9.58% | 9.63% | 10.40% | 12.90% | 12.72% | +314 bps | |
| Net Interest Margin | 2.59% | 2.54% | 2.73% | 2.77% | 2.80% | 2.67% | 3.48% | 3.36% | +59 bps | |
| Efficiency Ratio | 65.03% | 64.40% | 60.82% | 59.09% | 59.31% | 57.32% | 47.55% | 49.73% | -937 bps | |
| Non-Interest Burden | 1.56% | 1.51% | 1.54% | 1.51% | 1.55% | 1.39% | 1.50% | 1.52% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | 4.05% | 4.57% | 6.32% | 7.46% | 28.60% | 30.21% | 28.64% | +2,232 bps | |
| Loan Growth (YoY) | 5.49% | 5.94% | 5.55% | 8.52% | 9.74% | 35.71% | 38.82% | 38.35% | +2,984 bps | |
| Deposit Growth (YoY) | 6.21% | 5.73% | 5.48% | 4.37% | 5.35% | 24.83% | 25.91% | 23.40% | +1,903 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.75% | 0.97% | 1.15% | 0.15% | 0.37% | 0.90% | 1.26% | +11 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.17% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.38% | 1.36% | 1.37% | 1.36% | 1.33% | 1.03% | 1.07% | 1.08% | -28 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.8x | 1.4x | 1.2x | 9.0x | 2.8x | 1.2x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.46% | 9.35% | 9.42% | 9.43% | 9.37% | 9.42% | 8.90% | 8.98% | -46 bps | |
| Total Risk-Based Capital | 12.78% | 12.71% | 12.79% | 12.83% | 12.89% | 11.57% | 11.58% | 11.72% | -111 bps | |
| Equity / Assets | 10.33% | 9.85% | 10.16% | 10.23% | 10.37% | 10.23% | 10.11% | 10.31% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.54% | 78.18% | 79.46% | 79.86% | 80.78% | 84.99% | 87.61% | 89.54% | +968 bps | |
| Liquid Assets / Assets | 2.99% | 2.71% | 2.07% | 2.60% | 2.53% | 2.02% | 2.25% | 1.43% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.78% | 163.74% | 158.33% | n/a | n/a | |
Dubuque, IA · Cert 14382 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fidelity Co.
State charter, non-member · FDIC · 36 branches
Q2 2026
Return on Assets
1.28%
Rank 83 of 176
Net Interest Margin
3.36%
Rank 120 of 176
Efficiency Ratio
50.81%
Rank 34 of 176
Equity / Assets
10.31%
Rank 90 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.93% | 1.26% | 1.54% | Beats 53% | 83 / 176 | ||
| Return on Equity | 12.44% | 9.26% | 11.89% | 14.46% | Beats 54% | 81 / 176 | ||
| Net Interest Margin | 3.36% | 3.25% | 3.59% | 3.93% | Beats 32% | 120 / 176 | ||
| Efficiency Ratio | 50.81% | 52.79% | 59.55% | 67.66% | Beats 81% | 34 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.30% | 0.64% | 1.32% | Beats 26% | 131 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 79% | 38 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.67% | 11.15% | 12.72% | 14.15% | Beats 18% | 144 / 176 | ||
| Total Risk-Based Capital Ratio | 11.72% | 11.81% | 13.63% | 15.33% | Beats 23% | 135 / 176 | ||
| Equity / Assets | 10.31% | 9.16% | 10.35% | 11.80% | Beats 49% | 90 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.54% | 80.94% | 89.73% | 97.21% | 49th pctl | 90 / 176 | ||
| Loans / Assets | 73.32% | 69.25% | 75.12% | 80.82% | 41st pctl | 103 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||