Cedar Valley Bank & Trust
La Porte City, IA · Cert 14694 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · D&D Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$126.3MAssets
$113.0MLoans
$114.5MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 76% of banks under $1B in assets operating in a single state (rank 176 of 746).
- Widest gap: nonperforming loans / loans trails 79% of banks under $1B in assets operating in a single state (rank 587 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.12%
Rank 338 of 746
Net Interest Margin
4.19%
Rank 176 of 746
Efficiency Ratio
65.55%
Rank 394 of 746
Equity / Assets
8.96%
Rank 549 of 746
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 55% | 338 / 746 | |
| Return on Equity | 12.52% | 6.74% | 10.51% | 13.63% | Beats 67% | 246 / 746 | |
| Net Interest Margin | 4.19% | 3.17% | 3.68% | 4.16% | Beats 76% | 176 / 746 | |
| Efficiency Ratio | 65.55% | 55.74% | 64.58% | 75.47% | Beats 47% | 394 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.09% | 0.42% | 1.07% | Beats 21% | 587 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 27% | 544 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.55% | 13.75% | 17.60% | Beats 38% | 462 / 746 | |
| Total Risk-Based Capital Ratio | 13.67% | 11.71% | 14.33% | 18.43% | Beats 44% | 416 / 746 | |
| Equity / Assets | 8.96% | 8.90% | 10.51% | 13.06% | Beats 26% | 549 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 98.71% | 61.31% | 78.27% | 90.78% | 89th pctl | 84 / 746 | |
| Loans / Assets | 89.50% | 53.60% | 66.97% | 76.08% | 99th pctl | 10 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |