La Porte City, IA · Cert 14694 · D&D Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.7% share · #25 of 35 inst. · $0.1B 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 | 0.64% | 0.68% | 1.02% | 1.08% | 0.98% | 0.89% | 1.00% | 1.15% | +7 bps | |
| Return on Equity | 8.17% | 8.63% | 12.49% | 12.88% | 11.60% | 10.38% | 11.20% | 12.82% | -6 bps | |
| Net Interest Margin | 3.53% | 3.57% | 3.80% | 3.90% | 3.98% | 3.99% | 4.30% | 4.19% | +29 bps | |
| Efficiency Ratio | 73.43% | 73.84% | 65.01% | 64.66% | 66.09% | 68.98% | 69.02% | 65.55% | +89 bps | |
| Non-Interest Burden | 2.57% | 2.61% | 2.44% | 2.48% | 2.60% | 2.72% | 2.92% | 2.68% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.24% | 3.17% | 0.51% | -1.11% | 0.82% | 1.02% | 2.11% | 5.07% | +618 bps | |
| Loan Growth (YoY) | 6.69% | 4.40% | 3.64% | 3.26% | 0.53% | 1.01% | 0.91% | 1.26% | -200 bps | |
| Deposit Growth (YoY) | 3.69% | 5.76% | -5.67% | -8.09% | -5.68% | 11.89% | 14.82% | 19.46% | +2,756 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.48% | 1.45% | 1.01% | 1.03% | 1.15% | 1.66% | 1.27% | +26 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.02% | 0.07% | 0.07% | 0.08% | 0.06% | 0.07% | -1 bps | |
| Allowance / Loans | 0.65% | 0.63% | 0.68% | 0.67% | 0.71% | 0.74% | 0.74% | 0.75% | +8 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.3x | 0.5x | 0.7x | 0.7x | 0.6x | 0.4x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.12% | 8.12% | 8.27% | 8.57% | 8.88% | 8.83% | 8.93% | 9.01% | +44 bps | |
| Total Risk-Based Capital | 11.72% | 11.79% | 12.10% | 12.63% | 13.09% | 13.04% | 13.07% | 13.67% | +104 bps | |
| Equity / Assets | 8.05% | 8.10% | 8.27% | 8.68% | 8.91% | 8.91% | 8.95% | 8.96% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.63% | 114.56% | 114.78% | 116.45% | 122.18% | 103.42% | 100.87% | 98.71% | -1,774 bps | |
| Liquid Assets / Assets | 0.61% | 0.89% | 1.28% | 1.37% | 0.99% | 1.21% | 2.99% | 3.88% | +250 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 139.32% | 134.78% | 140.96% | n/a | n/a | |