Muscatine, IA · Cert 1552 · Central Bancshares Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
49
Profitability
42
Liquidity
12
Efficiency
43
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Muscatine, IA · Cert 1552 · Central Bancshares Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 4.1% share · #6 of 29 inst. · $0.4B of $10.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.25% | 1.10% | 1.15% | 1.16% | 1.19% | 0.97% | 1.11% | -4 bps | |
| Return on Equity | 12.60% | 11.37% | 9.65% | 9.96% | 9.90% | 10.10% | 8.02% | 9.23% | -73 bps | |
| Net Interest Margin | 3.36% | 3.46% | 3.58% | 3.65% | 3.68% | 3.70% | 3.83% | 3.79% | +15 bps | |
| Efficiency Ratio | 54.12% | 58.52% | 62.88% | 62.91% | 63.64% | 62.26% | 61.15% | 60.56% | -235 bps | |
| Non-Interest Burden | 1.42% | 1.68% | 1.94% | 1.99% | 2.03% | 1.98% | 2.02% | 1.96% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.62% | 4.31% | 1.58% | 0.72% | 2.97% | 5.19% | 3.43% | 8.11% | +738 bps | |
| Loan Growth (YoY) | 39.27% | 4.75% | -0.27% | 0.43% | 1.81% | 4.55% | 6.27% | 6.28% | +585 bps | |
| Deposit Growth (YoY) | 29.92% | 4.21% | 0.64% | -0.08% | 2.71% | 4.59% | 2.74% | 6.84% | +692 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.29% | 0.27% | 0.20% | 0.77% | 0.76% | 1.01% | 1.01% | +80 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.17% | 0.09% | 0.11% | 0.05% | 0.04% | 0.03% | -6 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.13% | 1.14% | 1.09% | 1.12% | 1.28% | 1.31% | +17 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.9x | 4.2x | 5.6x | 1.4x | 1.5x | 1.3x | 1.3x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.58% | 9.73% | 9.90% | 9.97% | 10.17% | 10.25% | 10.23% | +32 bps | |
| Total Risk-Based Capital | 13.48% | 13.55% | 13.39% | 13.69% | 13.80% | 13.71% | 14.23% | 14.18% | +49 bps | |
| Equity / Assets | 11.59% | 11.29% | 11.43% | 11.82% | 12.13% | 12.11% | 12.04% | 11.80% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.97% | 76.80% | 73.70% | 75.12% | 75.30% | 76.77% | 76.23% | 74.73% | -39 bps | |
| Liquid Assets / Assets | 5.54% | 6.13% | 8.97% | 7.09% | 7.07% | 6.80% | 7.40% | 8.56% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 266% | 251% | n/a | n/a | |
Muscatine, IA · Cert 1552 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Central Bancshares Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Return on Assets
1.08%
Rank 111 of 176
Net Interest Margin
3.79%
Rank 61 of 176
Efficiency Ratio
62.62%
Rank 102 of 176
Equity / Assets
11.80%
Rank 44 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.93% | 1.26% | 1.54% | Beats 37% | 111 / 176 | ||
| Return on Equity | 9.18% | 9.26% | 11.89% | 14.46% | Beats 24% | 134 / 176 | ||
| Net Interest Margin | 3.79% | 3.25% | 3.59% | 3.93% | Beats 65% | 61 / 176 | ||
| Efficiency Ratio | 62.62% | 52.79% | 59.55% | 67.66% | Beats 43% | 102 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.30% | 0.64% | 1.32% | Beats 32% | 120 / 176 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 65% | 62 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.00% | 11.15% | 12.72% | 14.15% | Beats 55% | 80 / 176 | ||
| Total Risk-Based Capital Ratio | 14.18% | 11.81% | 13.63% | 15.33% | Beats 60% | 70 / 176 | ||
| Equity / Assets | 11.80% | 9.16% | 10.35% | 11.80% | Beats 75% | 44 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.73% | 80.94% | 89.73% | 97.21% | 13th pctl | 153 / 176 | ||
| Loans / Assets | 63.19% | 69.25% | 75.12% | 80.82% | 11th pctl | 156 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||