Wellsburg, IA · Cert 14868 · PSB Corp.
State charter, non-member · FDIC · 3 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
61
Profitability
32
Liquidity
0
Efficiency
29
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.
Wellsburg, IA · Cert 14868 · PSB Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (5 in holding)
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 2.8% share · #12 of 23 inst. · $0.1B of $4.7B
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 | 0.51% | 0.56% | 0.64% | 0.60% | 0.68% | 0.71% | 0.82% | 0.81% | +21 bps | |
| Return on Equity | 6.40% | 7.00% | 8.17% | 7.70% | 8.65% | 8.87% | 9.52% | 9.38% | +168 bps | |
| Net Interest Margin | 2.66% | 2.63% | 2.76% | 2.79% | 2.82% | 2.80% | 3.03% | 3.13% | +34 bps | |
| Efficiency Ratio | 79.28% | 78.18% | 76.28% | 74.71% | 73.32% | 73.34% | 72.63% | 73.15% | -156 bps | |
| Non-Interest Burden | 1.99% | 1.91% | 1.96% | 1.93% | 1.87% | 1.86% | 2.00% | 2.10% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.52% | 6.62% | 9.97% | 9.89% | 6.77% | 5.57% | -2.22% | -0.56% | -1,045 bps | |
| Loan Growth (YoY) | 9.70% | 10.57% | 10.82% | 10.99% | 8.81% | 0.61% | -3.89% | -2.44% | -1,343 bps | |
| Deposit Growth (YoY) | -1.74% | 2.07% | 10.49% | 8.50% | 13.39% | 7.43% | -4.44% | -3.50% | -1,199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.40% | 0.38% | 0.46% | 0.50% | 0.68% | 0.22% | 1.19% | +73 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.02% | 0.00% | 0.01% | -0.05% | -0.03% | -5 bps | |
| Allowance / Loans | 1.01% | 0.97% | 0.95% | 0.95% | 1.00% | 1.01% | 1.04% | 1.03% | +8 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.4x | 2.5x | 2.1x | 2.0x | 1.5x | 4.7x | 0.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.48% | 9.20% | 9.15% | 9.18% | 9.30% | 9.63% | 9.89% | +74 bps | |
| Total Risk-Based Capital | 9.50% | 9.48% | 9.20% | 9.15% | 9.18% | 9.30% | 9.63% | 9.89% | +74 bps | |
| Equity / Assets | 8.27% | 7.89% | 7.71% | 7.65% | 8.22% | 8.38% | 8.84% | 8.74% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.02% | 100.53% | 94.89% | 100.08% | 98.85% | 94.16% | 95.43% | 101.18% | +109 bps | |
| Liquid Assets / Assets | 1.35% | 0.47% | 1.33% | 0.68% | 0.83% | 3.92% | 1.43% | 0.91% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 146.58% | 134.50% | 127.04% | n/a | n/a | |
Wellsburg, IA · Cert 14868 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PSB Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (5 in holding)
Q2 2026
Return on Assets
0.80%
Rank 517 of 746
Net Interest Margin
3.13%
Rank 574 of 746
Efficiency Ratio
73.15%
Rank 531 of 746
Equity / Assets
8.74%
Rank 578 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 31% | 517 / 746 | ||
| Return on Equity | 9.21% | 6.74% | 10.51% | 13.63% | Beats 41% | 441 / 746 | ||
| Net Interest Margin | 3.13% | 3.17% | 3.68% | 4.16% | Beats 23% | 574 / 746 | ||
| Efficiency Ratio | 73.15% | 55.74% | 64.58% | 75.47% | Beats 29% | 531 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.19% | 0.09% | 0.42% | 1.07% | Beats 22% | 578 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.89% | 11.55% | 13.75% | 17.60% | Beats 7% | 697 / 746 | ||
| Total Risk-Based Capital Ratio | 9.89% | 11.71% | 14.33% | 18.43% | Beats 6% | 699 / 746 | ||
| Equity / Assets | 8.74% | 8.90% | 10.51% | 13.06% | Beats 23% | 578 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.18% | 61.31% | 78.27% | 90.78% | 91st pctl | 69 / 746 | ||
| Loans / Assets | 75.95% | 53.60% | 66.97% | 76.08% | 74th pctl | 192 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||