Chelsea Savings Bank
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
$196.9MAssets
$84.4MLoans
$173.8MDeposits
$22.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 76% of banks under $1B in assets operating in a single state (rank 567 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state | 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 |