Coralville, IA · Cert 1550 · Ajj Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Iowa City, IA · 2026 SOD (annual) · 2.2% share · #7 of 20 inst. · $0.1B of $5.9B
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 | 0.77% | 0.80% | 0.89% | 1.12% | 1.40% | +63 bps | |
| Return on Equity | 9.02% | 9.13% | 10.05% | 11.99% | 14.68% | +566 bps | |
| Net Interest Margin | 2.57% | 2.62% | 2.73% | 3.03% | 3.20% | +63 bps | |
| Efficiency Ratio | 61.27% | 60.99% | 58.90% | 52.43% | 50.90% | -1,037 bps | |
| Non-Interest Burden | 1.52% | 1.54% | 1.52% | 1.52% | 1.56% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.61% | -5.45% | -3.40% | -4.16% | -7.49% | -388 bps | |
| Loan Growth (YoY) | -4.63% | -6.23% | -3.71% | -8.40% | -10.10% | -546 bps | |
| Deposit Growth (YoY) | -0.05% | -7.07% | -8.77% | -7.09% | -6.41% | -636 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.02% | 0.00% | 0.02% | 0.02% | -35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.37% | 1.45% | 1.34% | -2 bps | |
| Allowance Coverage of NPLs | 3.7x | 76.3x | n/a | 82.7x | 76.9x | +73.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.68% | 9.91% | 9.72% | 10.20% | 10.27% | +59 bps | |
| Total Risk-Based Capital | 14.00% | 14.55% | 14.17% | 15.55% | 15.68% | +168 bps | |
| Equity / Assets | 8.81% | 9.32% | 9.32% | 9.43% | 9.88% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.13% | 100.64% | 103.09% | 93.51% | 95.22% | -391 bps | |
| Liquid Assets / Assets | 1.32% | 1.03% | 0.13% | 5.55% | 2.49% | +116 bps | |
| CRE / Total Capital | n/a | 406% | 416% | 365% | n/a | n/a | |