Jefferson, IA · Cert 14867 · Greene Investment Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
24
Profitability
18
Liquidity
63
Efficiency
27
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.
Jefferson, IA · Cert 14867 · Greene Investment Co.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #48 of 57 inst. · $0.0B of $38.0B
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 | 0.90% | 0.93% | 0.97% | 1.00% | 1.01% | 0.92% | -1.27% | -0.27% | -127 bps | |
| Return on Equity | 10.69% | 10.97% | 11.33% | 11.61% | 11.73% | 10.63% | -14.57% | -3.15% | -1,476 bps | |
| Net Interest Margin | 3.30% | 3.30% | 3.53% | 3.55% | 3.64% | 3.45% | 3.51% | 3.43% | -12 bps | |
| Efficiency Ratio | 65.28% | 65.86% | 66.91% | 66.17% | 64.92% | 63.43% | 60.13% | 62.00% | -417 bps | |
| Non-Interest Burden | 1.97% | 1.97% | 2.12% | 2.14% | 2.14% | 1.96% | 1.82% | 1.88% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.96% | 2.87% | 4.19% | 3.92% | 7.30% | 6.97% | 9.37% | 8.49% | +457 bps | |
| Loan Growth (YoY) | 4.90% | 1.32% | 3.55% | 6.15% | 7.83% | 8.06% | 9.71% | 9.55% | +341 bps | |
| Deposit Growth (YoY) | 6.68% | 4.23% | 5.28% | 5.31% | 8.64% | 6.90% | 9.40% | 8.54% | +323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.40% | 0.00% | 0.32% | 2.21% | 2.58% | 2.21% | +221 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | -0.10% | -0.05% | -0.03% | 0.03% | 0.00% | 0.02% | +7 bps | |
| Allowance / Loans | 1.27% | 1.25% | 1.29% | 1.32% | 1.36% | 1.55% | 2.42% | 2.61% | +129 bps | |
| Allowance Coverage of NPLs | 3.0x | 13.4x | 3.2x | n/a | 4.2x | 0.7x | 0.9x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.28% | 9.43% | 9.32% | 9.49% | 9.16% | 9.11% | 8.91% | -41 bps | |
| Total Risk-Based Capital | 11.09% | 11.34% | 11.36% | 11.59% | 11.33% | 11.31% | 11.40% | 11.31% | -28 bps | |
| Equity / Assets | 8.73% | 8.64% | 8.54% | 8.65% | 8.69% | 8.84% | 8.57% | 8.64% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.81% | 88.01% | 86.92% | 88.11% | 88.14% | 88.96% | 87.17% | 88.93% | +82 bps | |
| Liquid Assets / Assets | 5.90% | 5.05% | 6.42% | 5.89% | 6.14% | 5.14% | 7.60% | 6.06% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 438% | 456% | 470% | n/a | n/a | |
Jefferson, IA · Cert 14867 · Peer group: banks under $1B in assets in IA (n=134-135) · Greene Investment Co.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Return on Assets
-0.27%
Rank 132 of 135
Net Interest Margin
3.43%
Rank 66 of 135
Efficiency Ratio
62.46%
Rank 99 of 135
Equity / Assets
8.64%
Rank 120 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.27% | 0.92% | 1.19% | 1.47% | Beats 2% | 132 / 135 | ||
| Return on Equity | -3.13% | 7.99% | 10.26% | 13.14% | Beats 1% | 133 / 135 | ||
| Net Interest Margin | 3.43% | 2.95% | 3.41% | 3.73% | Beats 51% | 66 / 135 | ||
| Efficiency Ratio | 62.46% | 50.61% | 57.35% | 63.29% | Beats 27% | 99 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.21% | 0.03% | 0.51% | 1.26% | Beats 10% | 121 / 134 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 38% | 84 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.04% | 11.23% | 13.31% | 15.45% | Beats 7% | 126 / 135 | ||
| Total Risk-Based Capital Ratio | 11.31% | 11.61% | 14.06% | 16.47% | Beats 21% | 106 / 135 | ||
| Equity / Assets | 8.64% | 9.87% | 11.05% | 13.07% | Beats 11% | 120 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.93% | 68.54% | 81.55% | 91.24% | 66th pctl | 46 / 134 | ||
| Loans / Assets | 80.83% | 57.61% | 68.06% | 76.23% | 87th pctl | 18 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||