Somers, IA · Cert 14809 · Somers Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.52% | 1.73% | 1.82% | 1.97% | 1.70% | 1.74% | 1.97% | 1.54% | -43 bps | |
| Return on Equity | 13.46% | 15.05% | 15.56% | 16.36% | 14.13% | 14.43% | 15.71% | 11.77% | -458 bps | |
| Net Interest Margin | 4.35% | 4.51% | 4.57% | 4.72% | 4.84% | 4.67% | 4.85% | 4.81% | +9 bps | |
| Efficiency Ratio | 55.93% | 51.48% | 50.98% | 49.06% | 49.84% | 51.15% | 49.36% | 53.92% | +487 bps | |
| Non-Interest Burden | 2.26% | 2.12% | 2.14% | 2.10% | 2.19% | 2.18% | 2.20% | 2.41% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 4.75% | -0.80% | 2.53% | 8.03% | 5.69% | 7.46% | 2.82% | +29 bps | |
| Loan Growth (YoY) | 0.51% | 6.72% | 0.44% | 3.53% | 10.48% | 4.82% | 7.24% | 4.44% | +91 bps | |
| Deposit Growth (YoY) | -1.76% | 4.29% | 3.64% | -0.41% | 4.60% | -1.99% | 1.76% | 2.42% | +282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 0.33% | 0.50% | 0.52% | 0.91% | 1.88% | 0.91% | 0.81% | +29 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.13% | -0.01% | 0.00% | 0.01% | 0.00% | -0.11% | 0.20% | +20 bps | |
| Allowance / Loans | 1.51% | 1.47% | 1.51% | 1.54% | 1.58% | 1.64% | 1.67% | 1.79% | +24 bps | |
| Allowance Coverage of NPLs | 1.4x | 4.4x | 3.0x | 2.9x | 1.7x | 0.9x | 1.8x | 2.2x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.11% | 12.24% | 12.21% | 12.55% | 12.46% | 12.68% | 13.13% | 13.23% | +68 bps | |
| Total Risk-Based Capital | 14.88% | 14.73% | 14.60% | 15.47% | 15.00% | 15.10% | 15.23% | 16.25% | +78 bps | |
| Equity / Assets | 11.46% | 11.47% | 11.92% | 12.22% | 11.86% | 12.25% | 12.86% | 13.35% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.71% | 102.16% | 99.84% | 104.06% | 108.48% | 109.27% | 105.21% | 106.12% | +205 bps | |
| Liquid Assets / Assets | 0.93% | 1.08% | 0.91% | 0.81% | 0.76% | 0.73% | 0.74% | 0.68% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 156.69% | 150.18% | 149.34% | n/a | n/a | |