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 (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 | 0.47% | 0.66% | 0.68% | 0.86% | 0.85% | 1.16% | 1.12% | 1.67% | +81 bps | |
| Return on Equity | 5.66% | 7.89% | 8.05% | 9.93% | 9.41% | 12.41% | 11.99% | 17.35% | +742 bps | |
| Net Interest Margin | 2.06% | 2.26% | 2.38% | 2.71% | 2.71% | 2.94% | 3.03% | 3.31% | +61 bps | |
| Efficiency Ratio | 70.74% | 64.83% | 63.52% | 59.24% | 60.45% | 53.53% | 52.43% | 49.47% | -977 bps | |
| Non-Interest Burden | 1.41% | 1.38% | 1.46% | 1.54% | 1.57% | 1.42% | 1.52% | 1.57% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | -2.56% | -1.54% | -3.61% | -5.45% | -3.40% | -4.16% | -7.49% | -388 bps | |
| Loan Growth (YoY) | -1.15% | -3.52% | -4.46% | -4.63% | -6.23% | -3.71% | -8.40% | -10.10% | -546 bps | |
| Deposit Growth (YoY) | 5.99% | 1.91% | 3.68% | -0.05% | -7.07% | -8.77% | -7.09% | -6.41% | -636 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.04% | 0.37% | 0.36% | 0.02% | 0.00% | 0.02% | 0.02% | -35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.33% | 1.34% | 1.35% | 1.37% | 1.37% | 1.45% | 1.34% | -2 bps | |
| Allowance Coverage of NPLs | 4.2x | 32.2x | 3.6x | 3.7x | 76.3x | n/a | 82.7x | 76.9x | +73.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.87% | 9.01% | 9.39% | 9.68% | 9.91% | 9.72% | 10.20% | 10.27% | +59 bps | |
| Total Risk-Based Capital | 12.67% | 13.19% | 13.73% | 14.00% | 14.55% | 14.17% | 15.55% | 15.68% | +168 bps | |
| Equity / Assets | 8.39% | 8.29% | 8.59% | 8.81% | 9.32% | 9.32% | 9.43% | 9.88% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.74% | 97.68% | 94.85% | 99.13% | 100.64% | 103.09% | 93.51% | 95.22% | -391 bps | |
| Liquid Assets / Assets | 1.60% | 0.53% | 0.59% | 1.32% | 1.03% | 0.13% | 5.55% | 2.49% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 416% | 365% | n/a | n/a | |