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 | |