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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.70% | 0.64% | 0.55% | 0.84% | 0.79% | 0.82% | 0.81% | +26 bps | |
| Return on Equity | 7.28% | 8.61% | 8.17% | 7.22% | 10.59% | 9.50% | 9.52% | 9.24% | +201 bps | |
| Net Interest Margin | 2.69% | 2.67% | 2.76% | 2.85% | 2.93% | 2.80% | 3.03% | 3.21% | +35 bps | |
| Efficiency Ratio | 79.09% | 75.19% | 76.28% | 73.19% | 70.91% | 73.39% | 72.63% | 73.67% | +48 bps | |
| Non-Interest Burden | 1.99% | 1.79% | 1.96% | 1.92% | 1.80% | 1.83% | 2.00% | 2.19% | +27 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 | 0.11% | -0.01% | 0.00% | 0.04% | -0.03% | 0.06% | -0.05% | -0.01% | -4 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 | |