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 | |