Winterset, IA · Cert 14982 · Madison Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.3% share · #36 of 57 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.78% | 0.76% | 0.89% | 0.94% | +30 bps | |
| Return on Equity | 9.62% | 11.30% | 10.94% | 12.50% | 12.88% | +327 bps | |
| Net Interest Margin | 3.20% | 3.45% | 3.23% | 3.58% | 3.55% | +35 bps | |
| Efficiency Ratio | 78.16% | 74.11% | 75.05% | 69.89% | 70.52% | -764 bps | |
| Non-Interest Burden | 2.39% | 2.42% | 2.31% | 2.38% | 2.38% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.85% | -13.37% | 3.51% | 5.65% | 8.20% | +1,105 bps | |
| Loan Growth (YoY) | 3.56% | 3.29% | 0.58% | -0.11% | 0.60% | -296 bps | |
| Deposit Growth (YoY) | -3.94% | -14.80% | 2.72% | 5.07% | 7.88% | +1,182 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 0.62% | 0.61% | 0.62% | 0.63% | 0.61% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.98% | 8.53% | 7.92% | 8.46% | 8.12% | +14 bps | |
| Total Risk-Based Capital | 12.54% | 12.82% | 12.94% | 13.26% | 13.67% | +113 bps | |
| Equity / Assets | 7.19% | 7.54% | 7.29% | 6.99% | 7.55% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.99% | 74.58% | 68.50% | 62.31% | 69.00% | -499 bps | |
| Liquid Assets / Assets | 7.12% | 11.11% | 17.76% | 21.77% | 13.70% | +657 bps | |
| CRE / Total Capital | n/a | 192.86% | 173.46% | 167.31% | n/a | n/a | |