Dunlap, IA · Cert 14649 · Dunlap Iowa Holding Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #49 of 77 inst. · $0.1B of $42.7B
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 | 1.02% | 0.54% | 0.95% | 1.17% | 1.19% | 1.26% | 0.83% | 1.25% | +7 bps | |
| Return on Equity | 9.96% | 5.16% | 9.53% | 11.59% | 11.30% | 11.78% | 7.88% | 11.71% | +12 bps | |
| Net Interest Margin | 3.34% | 3.18% | 3.21% | 3.44% | 3.70% | 3.70% | 3.55% | 3.70% | +26 bps | |
| Efficiency Ratio | 60.51% | 78.26% | 68.19% | 57.24% | 55.59% | 65.01% | 62.26% | 53.87% | -337 bps | |
| Non-Interest Burden | 1.99% | 2.54% | 2.08% | 1.81% | 1.87% | 2.15% | 2.08% | 1.82% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 1.41% | 6.57% | 5.20% | 7.13% | 6.75% | 3.71% | 3.95% | -125 bps | |
| Loan Growth (YoY) | 5.41% | 6.27% | 7.18% | 13.69% | 15.09% | 15.62% | 15.86% | 8.67% | -502 bps | |
| Deposit Growth (YoY) | 7.44% | 7.40% | 6.17% | 4.43% | 2.45% | 6.14% | 3.07% | 3.47% | -96 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.32% | 1.08% | 1.11% | 0.68% | 0.28% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 1.24% | +124 bps | |
| Allowance / Loans | 0.87% | 0.87% | 0.84% | 0.84% | 0.89% | 0.88% | 1.00% | 0.82% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 98.1x | 2.6x | 0.8x | 0.8x | 1.5x | 2.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.45% | 11.16% | 10.76% | 10.88% | 11.34% | 11.04% | 11.01% | 10.99% | +11 bps | |
| Total Risk-Based Capital | 18.15% | 18.23% | 18.38% | 16.72% | 16.24% | 16.44% | 16.89% | 16.67% | -5 bps | |
| Equity / Assets | 10.67% | 10.12% | 9.92% | 10.34% | 10.73% | 10.65% | 10.50% | 10.83% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.14% | 70.70% | 67.58% | 74.65% | 82.16% | 77.02% | 75.96% | 78.41% | +375 bps | |
| Liquid Assets / Assets | 7.89% | 11.02% | 15.53% | 9.03% | 6.17% | 7.31% | 10.54% | 9.42% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 56.17% | 53.39% | 62.86% | n/a | n/a | |