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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.30% | 1.31% | 1.39% | 1.43% | +16 bps | |
| Return on Equity | 13.46% | 13.44% | 13.17% | 12.37% | 12.64% | -82 bps | |
| Net Interest Margin | 2.97% | 3.01% | 2.99% | 3.12% | 3.15% | +18 bps | |
| Efficiency Ratio | 46.39% | 45.50% | 46.77% | 43.99% | 44.10% | -230 bps | |
| Non-Interest Burden | 1.43% | 1.42% | 1.42% | 1.42% | 1.44% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.45% | 4.45% | 4.38% | 3.88% | 2.11% | -34 bps | |
| Loan Growth (YoY) | 30.36% | 33.59% | 21.74% | 9.36% | 7.08% | -2,327 bps | |
| Deposit Growth (YoY) | 1.52% | 1.73% | 2.45% | 2.51% | -0.04% | -156 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.25% | 0.26% | 0.24% | -2 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.09% | 0.06% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 0.75% | 0.72% | 0.71% | 0.72% | 0.70% | -5 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.8x | 2.8x | 2.8x | 2.9x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.32% | 15.68% | 15.68% | 16.20% | 16.01% | +70 bps | |
| Total Risk-Based Capital | 15.32% | 15.68% | 15.68% | 16.20% | 16.01% | +70 bps | |
| Equity / Assets | 9.38% | 10.55% | 10.95% | 11.59% | 11.31% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.35% | 47.62% | 47.00% | 46.73% | 48.58% | +323 bps | |
| Liquid Assets / Assets | 2.19% | 2.46% | 3.06% | 6.76% | 4.08% | +188 bps | |
| CRE / Total Capital | n/a | 45.39% | 44.69% | 41.74% | n/a | n/a | |