Edgewood, IA · Cert 14633 · Community Financial Corp.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.8% share · #13 of 35 inst. · $0.2B 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 | 0.55% | 0.60% | 0.67% | 0.74% | 0.76% | 0.77% | 0.82% | 0.83% | +9 bps | |
| Return on Equity | 6.83% | 7.59% | 8.79% | 9.49% | 9.47% | 9.51% | 9.52% | 9.47% | -2 bps | |
| Net Interest Margin | 2.71% | 2.71% | 2.88% | 2.97% | 3.00% | 3.03% | 3.38% | 3.31% | +34 bps | |
| Efficiency Ratio | 77.13% | 75.56% | 72.01% | 70.54% | 70.39% | 69.98% | 62.20% | 66.38% | -416 bps | |
| Non-Interest Burden | 1.98% | 1.93% | 1.95% | 1.97% | 1.98% | 1.99% | 1.92% | 2.04% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.05% | 3.24% | 3.33% | 4.87% | 2.33% | 1.42% | 1.42% | 1.26% | -360 bps | |
| Loan Growth (YoY) | 5.68% | 6.35% | 5.32% | 5.66% | 3.76% | -3.36% | -5.34% | -3.97% | -963 bps | |
| Deposit Growth (YoY) | 1.52% | 3.35% | 1.42% | 1.68% | 0.57% | 5.61% | 4.59% | 6.57% | +489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.30% | 0.95% | 0.91% | 0.99% | 1.48% | 1.03% | 0.63% | -28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.01% | 0.18% | +18 bps | |
| Allowance / Loans | 1.09% | 1.03% | 1.05% | 1.06% | 1.09% | 1.14% | 1.29% | 1.21% | +15 bps | |
| Allowance Coverage of NPLs | 4.3x | 3.4x | 1.1x | 1.2x | 1.1x | 0.8x | 1.2x | 1.9x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.83% | 9.64% | 9.55% | 9.81% | 9.87% | 9.82% | 9.92% | 10.05% | +24 bps | |
| Total Risk-Based Capital | 13.59% | 12.97% | 13.13% | 13.52% | 13.85% | 13.88% | 14.55% | 14.80% | +129 bps | |
| Equity / Assets | 8.42% | 7.48% | 7.81% | 8.01% | 8.75% | 8.64% | 8.62% | 8.98% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.68% | 95.94% | 94.81% | 94.09% | 95.61% | 87.79% | 85.82% | 84.78% | -931 bps | |
| Liquid Assets / Assets | 1.47% | 1.79% | 1.28% | 1.96% | 1.19% | 2.61% | 3.22% | 1.72% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 283% | 271% | n/a | n/a | |