Iowa City, IA · Cert 14843
FDIC · 59 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=188). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
39
Profitability
47
Liquidity
67
Efficiency
57
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Iowa City, IA · Cert 14843
FDIC · 59 branches
Q4 2025
Market Position · Iowa City, IA · 2025 SOD (annual) · 19.5% share · #2 of 20 inst. · $1.1B of $5.9B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.75% | -1.39% | -0.78% | 1.12% | 0.95% | 1.06% | 1.12% | +189 bps | |
| Return on Equity | 3.91% | 7.69% | -14.21% | -7.78% | 10.45% | 8.82% | 9.74% | 10.22% | +1,800 bps | |
| Net Interest Margin | 2.26% | 2.27% | 2.36% | 2.67% | 3.22% | 3.29% | 3.32% | 3.33% | +67 bps | |
| Efficiency Ratio | 70.04% | 62.19% | 64.16% | 62.51% | 57.75% | 56.28% | 56.12% | 56.69% | -582 bps | |
| Non-Interest Burden | 1.47% | 1.12% | 1.27% | 1.41% | 1.62% | 1.59% | 1.60% | 1.62% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.26% | 0.92% | 1.30% | -2.99% | -7.34% | -6.44% | -4.68% | 0.37% | +336 bps | |
| Loan Growth (YoY) | 12.62% | 6.68% | 6.48% | 4.56% | -2.24% | 2.52% | 2.31% | 5.15% | +59 bps | |
| Deposit Growth (YoY) | 0.40% | -0.69% | -0.02% | 1.24% | -1.68% | -0.40% | 2.02% | -0.07% | -131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.59% | 0.51% | 0.51% | 0.40% | 0.85% | 0.68% | 0.70% | +20 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.08% | 0.07% | 0.29% | 0.15% | 0.56% | 0.41% | +34 bps | |
| Allowance / Loans | 1.27% | 1.26% | 1.25% | 1.28% | 1.25% | 1.50% | 1.17% | 1.17% | -11 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.1x | 2.5x | 2.5x | 3.1x | 1.8x | 1.7x | 1.7x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.24% | 9.69% | 10.12% | 10.42% | 10.43% | 10.38% | 10.50% | +38 bps | |
| Total Risk-Based Capital | 12.25% | 12.61% | 12.88% | 14.02% | 14.21% | 14.20% | 13.92% | 14.02% | +1 bps | |
| Equity / Assets | 9.63% | 9.86% | 10.14% | 10.60% | 10.82% | 11.06% | 10.99% | 11.24% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.04% | 79.15% | 80.59% | 78.73% | 78.59% | 81.47% | 80.82% | 82.84% | +411 bps | |
| Liquid Assets / Assets | 16.23% | 16.55% | 1.98% | 2.14% | 2.92% | 1.47% | 3.29% | 2.78% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 328% | 332% | n/a | |
Iowa City, IA · Cert 14843 · Peer group: banks $1B-$10B in assets operating regionally (n=188)
FDIC · 59 branches
Q4 2025
Return on Assets
1.11%
Rank 87 of 188
Net Interest Margin
3.33%
Rank 106 of 188
Efficiency Ratio
58.63%
Rank 82 of 188
Equity / Assets
11.24%
Rank 61 of 188
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.81% | 1.07% | 1.39% | Beats 54% | 87 / 188 | ||
| Return on Equity | 9.91% | 8.05% | 10.66% | 13.11% | Beats 42% | 109 / 188 | ||
| Net Interest Margin | 3.33% | 2.96% | 3.38% | 3.73% | Beats 44% | 106 / 188 | ||
| Efficiency Ratio | 58.63% | 53.47% | 60.74% | 69.25% | Beats 57% | 82 / 188 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.27% | 0.57% | 1.04% | Beats 39% | 115 / 188 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 11.27% | 12.41% | 13.94% | Beats 58% | 79 / 188 | ||
| Total Risk-Based Capital Ratio | 14.02% | 12.24% | 13.41% | 15.02% | Beats 60% | 75 / 188 | ||
| Equity / Assets | 11.24% | 9.20% | 10.34% | 11.75% | Beats 68% | 61 / 188 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.84% | 81.05% | 88.67% | 96.26% | 30th pctl | 131 / 188 | ||
| Loans / Assets | 72.57% | 68.20% | 74.78% | 80.31% | 38th pctl | 116 / 188 | ||
| Brokered Deposits / Deposits | 3.65% | n/a | 2.16% | 7.71% | Beats 44% | 106 / 188 | n/a | |