Belle Plaine, IA · Cert 15427 · Chebelle Corp.
State charter, non-member · FDIC · 5 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
64
Asset Quality
82
Profitability
55
Liquidity
7
Efficiency
90
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.
Belle Plaine, IA · Cert 15427 · Chebelle Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.2% share · #19 of 35 inst. · $0.1B of $8.8B
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 | 0.82% | 0.81% | 1.08% | 1.26% | 1.30% | 1.31% | 1.39% | 1.43% | +16 bps | |
| Return on Equity | 9.30% | 9.18% | 11.54% | 13.46% | 13.44% | 13.17% | 12.37% | 12.64% | -82 bps | |
| Net Interest Margin | 2.67% | 2.64% | 2.81% | 2.97% | 3.01% | 2.99% | 3.12% | 3.15% | +18 bps | |
| Efficiency Ratio | 57.68% | 59.59% | 50.63% | 46.39% | 45.50% | 46.77% | 43.99% | 44.10% | -230 bps | |
| Non-Interest Burden | 1.60% | 1.62% | 1.48% | 1.43% | 1.42% | 1.42% | 1.42% | 1.44% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.95% | 2.08% | 4.00% | 2.45% | 4.45% | 4.38% | 3.88% | 2.11% | -34 bps | |
| Loan Growth (YoY) | 0.18% | 14.34% | 30.26% | 30.36% | 33.59% | 21.74% | 9.36% | 7.08% | -2,327 bps | |
| Deposit Growth (YoY) | 0.71% | 0.87% | 1.82% | 1.52% | 1.73% | 2.45% | 2.51% | -0.04% | -156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.45% | 0.29% | 0.27% | 0.26% | 0.25% | 0.26% | 0.24% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.28% | 0.13% | 0.09% | 0.06% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 0.98% | 0.88% | 0.76% | 0.75% | 0.72% | 0.71% | 0.72% | 0.70% | -5 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 2.6x | 2.8x | 2.8x | 2.8x | 2.8x | 2.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.45% | 15.88% | 15.27% | 15.32% | 15.68% | 15.68% | 16.20% | 16.01% | +70 bps | |
| Total Risk-Based Capital | 16.45% | 15.88% | 15.27% | 15.32% | 15.68% | 15.68% | 16.20% | 16.01% | +70 bps | |
| Equity / Assets | 10.34% | 8.90% | 9.86% | 9.38% | 10.55% | 10.95% | 11.59% | 11.31% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.26% | 39.55% | 43.80% | 45.35% | 47.62% | 47.00% | 46.73% | 48.58% | +323 bps | |
| Liquid Assets / Assets | 3.73% | 3.72% | 0.14% | 2.19% | 2.46% | 3.06% | 6.76% | 4.08% | +188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 45.39% | 44.69% | 41.74% | n/a | n/a | |
Belle Plaine, IA · Cert 15427 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Chebelle Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.44%
Rank 193 of 746
Net Interest Margin
3.15%
Rank 567 of 746
Efficiency Ratio
47.78%
Rank 75 of 746
Equity / Assets
11.31%
Rank 294 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.72% | 1.06% | 1.45% | Beats 74% | 193 / 746 | ||
| Return on Equity | 12.69% | 6.74% | 10.51% | 13.63% | Beats 68% | 239 / 746 | ||
| Net Interest Margin | 3.15% | 3.17% | 3.68% | 4.16% | Beats 24% | 567 / 746 | ||
| Efficiency Ratio | 47.78% | 55.74% | 64.58% | 75.47% | Beats 90% | 75 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 63% | 276 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.01% | 11.55% | 13.75% | 17.60% | Beats 68% | 237 / 746 | ||
| Total Risk-Based Capital Ratio | 16.01% | 11.71% | 14.33% | 18.43% | Beats 63% | 273 / 746 | ||
| Equity / Assets | 11.31% | 8.90% | 10.51% | 13.06% | Beats 61% | 294 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.58% | 61.31% | 78.27% | 90.78% | 12th pctl | 658 / 746 | ||
| Loans / Assets | 42.87% | 53.60% | 66.97% | 76.08% | 13th pctl | 652 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||