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 | |