PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cedar Valley Bank & Trust

La Porte City, IA · Cert 14694 · D&D Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$126.3MAssets
$113.0MLoans
$114.5MDeposits
$11.3MEquity
Loan mix
89%RE $92.6M8%C&I $8.2M4%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $93.5M18%Noninterest $21.0MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.62%Q2 ’255.68%Q2 ’26+15%+3%

Non-interest income vs. expense

2.40%Q2 ’242.67%Q2 ’252.73%Q2 ’26+9%-2%

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.7% share · #25 of 35 inst. · $0.1B of $8.8B

7.8% Benton
2.0% Black Hawk

Executive Summary

  • Earnings: ROA of 1.29%, up 16 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 1.27% of loans (+26 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.01%, up 44 bps from a year ago.
  • Funding: loans stand at 98.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.29%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.14%+13 bps YoY

Efficiency Ratio (quarter, annualized)

62.10%-223 bps YoY

Tier 1 Leverage Ratio

9.01%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%0.80%0.60%1.00%1.29%+16 bps
Return on Equity13.32%9.14%6.72%11.20%14.43%+111 bps
Net Interest Margin4.01%4.01%4.22%4.30%4.14%+13 bps
Efficiency Ratio64.34%68.94%77.01%69.02%62.10%-223 bps
Non-Interest Burden2.53%2.74%3.22%2.92%2.48%-5 bps
Growth
Asset Growth (YoY)-1.11%0.82%1.02%2.11%5.07%+618 bps
Loan Growth (YoY)3.26%0.53%1.01%0.91%1.26%-200 bps
Deposit Growth (YoY)-8.09%-5.68%11.89%14.82%19.46%+2,756 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.03%1.15%1.66%1.27%+26 bps
Net Charge-Offs / Loans0.13%0.08%0.11%0.06%0.07%-5 bps
Allowance / Loans0.67%0.71%0.74%0.74%0.75%+8 bps
Allowance Coverage of NPLs0.7x0.7x0.6x0.4x0.6x-0.1x
Capital
Tier 1 Leverage Ratio8.57%8.88%8.83%8.93%9.01%+44 bps
Total Risk-Based Capital12.63%13.09%13.04%13.07%13.67%+104 bps
Equity / Assets8.68%8.91%8.91%8.95%8.96%+28 bps
Liquidity & Funding
Loans / Deposits116.45%122.18%103.42%100.87%98.71%-1,774 bps
Liquid Assets / Assets1.37%0.99%1.21%2.99%3.88%+250 bps
CRE / Total Capitaln/a139.32%134.78%140.96%n/an/a