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 (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 | 0.84% | 0.78% | 1.08% | 1.45% | 1.38% | 1.32% | 1.39% | 1.46% | +1 bps | |
| Return on Equity | 8.95% | 8.11% | 11.54% | 15.03% | 13.87% | 12.25% | 12.37% | 12.76% | -228 bps | |
| Net Interest Margin | 2.68% | 2.89% | 2.81% | 3.15% | 3.08% | 3.09% | 3.12% | 3.22% | +7 bps | |
| Efficiency Ratio | 57.18% | 64.56% | 50.63% | 42.61% | 43.75% | 50.20% | 43.99% | 44.20% | +159 bps | |
| Non-Interest Burden | 1.58% | 1.91% | 1.48% | 1.39% | 1.40% | 1.51% | 1.42% | 1.47% | +8 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 | 0.00% | 0.00% | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | |