PackageTrendsPeer
Letter portraitLegal landscape

Community Bank

Dunlap, IA · Cert 14649 · Dunlap Iowa Holding Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Omaha, NE-IA area3

Basis

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.

Peer group

Banks under $1B in assets in the Omaha, NE-IA area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank

Dunlap, IA · Cert 14649 · Dunlap Iowa Holding Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$138.3MAssets
$96.2MLoans
$122.7MDeposits
$15.0MEquity
Loan mix
86%RE $63.5M8%C&I $6.1M5%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $98.8M19%Noninterest $23.8MQ2 2025Q2 2026

NIM

4.97%Q2 ’245.28%Q2 ’255.36%Q2 ’26+8%+8%

Non-interest income vs. expense

2.63%Q2 ’242.30%Q2 ’252.30%Q2 ’26-14%-1%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #49 of 77 inst. · $0.1B of $42.7B

18.1% Harrison
9.2% Monona

Executive Summary

  • Earnings: ROA of 1.04%, down 3 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.28% of loans (-4 bps YoY), with net charge-offs at 0.70%.
  • Capital: tier 1 leverage ratio of 10.99%, up 11 bps from a year ago.
  • Funding: loans stand at 78.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+27 bps YoY

Efficiency Ratio (YTD, annualized)

57.94%-458 bps YoY

Tier 1 Leverage Ratio

10.99%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.11%1.15%0.83%1.04%-3 bps
Return on Equity10.57%10.81%11.10%7.88%9.79%-78 bps
Net Interest Margin3.32%3.51%3.45%3.55%3.60%+27 bps
Efficiency Ratio62.51%60.08%61.47%62.26%57.94%-458 bps
Non-Interest Burden1.94%1.96%1.94%2.08%1.93%-1 bps
Growth
Asset Growth (YoY)5.20%7.13%6.75%3.71%3.95%-125 bps
Loan Growth (YoY)13.69%15.09%15.62%15.86%8.67%-502 bps
Deposit Growth (YoY)4.43%2.45%6.14%3.07%3.47%-96 bps
Asset Quality
Nonperforming Loans / Loans0.32%1.08%1.11%0.68%0.28%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.17%0.70%+70 bps
Allowance / Loans0.84%0.89%0.88%1.00%0.82%-2 bps
Allowance Coverage of NPLs2.6x0.8x0.8x1.5x2.9x+0.3x
Capital
Tier 1 Leverage Ratio10.88%11.34%11.04%11.01%10.99%+11 bps
Total Risk-Based Capital16.72%16.24%16.44%16.89%16.67%-5 bps
Equity / Assets10.34%10.73%10.65%10.50%10.83%+49 bps
Liquidity & Funding
Loans / Deposits74.65%82.16%77.02%75.96%78.41%+375 bps
Liquid Assets / Assets9.03%6.17%7.31%10.54%9.42%+39 bps
CRE / Total Capitaln/a56.17%53.39%62.86%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank

Dunlap, IA · Cert 14649 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Dunlap Iowa Holding Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$138.3MAssets
$96.2MLoans
$122.7MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets in the Omaha, NE-IA area (rank 4 of 24).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 23 of 24).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.04%

Rank 16 of 24

Net Interest Margin

3.60%

Rank 14 of 24

Efficiency Ratio

57.94%

Rank 11 of 24

Equity / Assets

10.83%

Rank 10 of 24

Non-interest income vs. expense

$0.5M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 58% of banks under $1B in assets in the Omaha, NE-IA area
Bank 57.94%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.92%1.29%1.77%Beats 33%16 / 24
Return on Equity9.64%9.64%12.01%15.30%Beats 25%18 / 24
Net Interest Margin3.60%3.02%3.76%3.98%Beats 42%14 / 24
Efficiency Ratio57.94%49.60%59.31%66.55%Beats 58%11 / 24
Asset Quality
Nonperforming Loans / Loans0.28%0.10%0.37%1.03%Beats 71%8 / 24
Net Charge-Offs / Loans0.35%n/a0.00%0.03%Beats 8%23 / 24
Capital
Tier 1 Capital Ratio15.86%10.53%11.57%13.63%Beats 83%4 / 24
Total Risk-Based Capital Ratio16.67%11.15%12.06%13.90%Beats 83%4 / 24
Equity / Assets10.83%8.87%10.14%12.27%Beats 58%10 / 24
Liquidity & Funding
Loans / Deposits78.41%75.32%83.30%93.06%33rd pctl16 / 24
Loans / Assets69.53%65.68%71.67%75.94%38th pctl15 / 24
Brokered Deposits / Depositsn/aNot reported for this institution