Somers, IA · Cert 14809 · Somers Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.81% | 1.80% | 1.97% | 1.76% | -13 bps | |
| Return on Equity | 15.92% | 15.29% | 15.10% | 15.71% | 13.75% | -217 bps | |
| Net Interest Margin | 4.64% | 4.62% | 4.61% | 4.85% | 4.85% | +21 bps | |
| Efficiency Ratio | 50.00% | 49.94% | 50.25% | 49.36% | 51.63% | +163 bps | |
| Non-Interest Burden | 2.12% | 2.10% | 2.11% | 2.20% | 2.31% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.53% | 8.03% | 5.69% | 7.46% | 2.82% | +29 bps | |
| Loan Growth (YoY) | 3.53% | 10.48% | 4.82% | 7.24% | 4.44% | +91 bps | |
| Deposit Growth (YoY) | -0.41% | 4.60% | -1.99% | 1.76% | 2.42% | +282 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.91% | 1.88% | 0.91% | 0.81% | +29 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.11% | 0.04% | +5 bps | |
| Allowance / Loans | 1.54% | 1.58% | 1.64% | 1.67% | 1.79% | +24 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.7x | 0.9x | 1.8x | 2.2x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.55% | 12.46% | 12.68% | 13.13% | 13.23% | +68 bps | |
| Total Risk-Based Capital | 15.47% | 15.00% | 15.10% | 15.23% | 16.25% | +78 bps | |
| Equity / Assets | 12.22% | 11.86% | 12.25% | 12.86% | 13.35% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.06% | 108.48% | 109.27% | 105.21% | 106.12% | +205 bps | |
| Liquid Assets / Assets | 0.81% | 0.76% | 0.73% | 0.74% | 0.68% | -13 bps | |
| CRE / Total Capital | n/a | 156.69% | 150.18% | 149.34% | n/a | n/a | |