Harlan, IA · Cert 1553 · Danes Holdings Inc.
State charter, non-member · FDIC · 10 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 under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
41
Profitability
73
Liquidity
80
Efficiency
53
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.
Harlan, IA · Cert 1553 · Danes Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.4% share · #24 of 28 inst. · $0.0B of $4.6B
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 | 0.87% | 0.94% | 1.21% | 1.23% | 1.23% | 1.23% | 1.37% | 1.43% | +21 bps | |
| Return on Equity | 8.80% | 9.47% | 11.95% | 11.89% | 11.81% | 11.66% | 12.55% | 13.03% | +114 bps | |
| Net Interest Margin | 2.79% | 2.88% | 3.32% | 3.39% | 3.44% | 3.45% | 3.62% | 3.72% | +33 bps | |
| Efficiency Ratio | 60.03% | 58.57% | 53.63% | 55.15% | 55.81% | 55.98% | 54.86% | 54.30% | -84 bps | |
| Non-Interest Burden | 1.56% | 1.56% | 1.61% | 1.71% | 1.75% | 1.76% | 1.79% | 1.82% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | -1.37% | -1.79% | -3.98% | -5.03% | -3.26% | -0.22% | -1.15% | +282 bps | |
| Loan Growth (YoY) | 5.06% | 2.77% | 1.79% | 3.69% | 4.11% | 2.36% | -1.87% | -5.66% | -934 bps | |
| Deposit Growth (YoY) | 5.85% | 1.70% | -2.26% | -7.17% | -5.78% | -2.34% | -0.65% | 0.59% | +776 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.24% | 0.26% | 1.17% | 0.40% | 0.45% | 0.62% | 0.40% | -76 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.01% | 0.04% | 0.06% | 0.02% | 0.04% | +4 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.19% | 1.18% | 1.17% | 1.19% | 1.25% | 1.27% | +10 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.8x | 4.5x | 1.0x | 2.9x | 2.6x | 2.0x | 3.1x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.26% | 9.48% | 9.57% | 9.73% | 9.67% | 9.83% | 10.00% | +43 bps | |
| Total Risk-Based Capital | 13.93% | 13.71% | 13.81% | 13.66% | 13.80% | 13.79% | 14.39% | 14.81% | +116 bps | |
| Equity / Assets | 9.99% | 9.99% | 10.34% | 10.71% | 10.77% | 11.03% | 10.80% | 11.21% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.17% | 75.80% | 75.62% | 80.86% | 77.54% | 79.44% | 74.69% | 75.84% | -502 bps | |
| Liquid Assets / Assets | 5.83% | 2.10% | 2.83% | 1.57% | 3.78% | 2.20% | 6.97% | 5.33% | +377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 84.39% | 85.57% | 83.19% | n/a | n/a | |
Harlan, IA · Cert 1553 · Peer group: banks under $1B in assets in IA (n=134-135) · Danes Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.46%
Rank 38 of 135
Net Interest Margin
3.72%
Rank 35 of 135
Efficiency Ratio
55.55%
Rank 64 of 135
Equity / Assets
11.21%
Rank 65 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.92% | 1.19% | 1.47% | Beats 72% | 38 / 135 | ||
| Return on Equity | 12.98% | 7.99% | 10.26% | 13.14% | Beats 73% | 36 / 135 | ||
| Net Interest Margin | 3.72% | 2.95% | 3.41% | 3.73% | Beats 74% | 35 / 135 | ||
| Efficiency Ratio | 55.55% | 50.61% | 57.35% | 63.29% | Beats 53% | 64 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.03% | 0.51% | 1.26% | Beats 54% | 63 / 134 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.03% | Beats 28% | 97 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.64% | 11.23% | 13.31% | 15.45% | Beats 55% | 61 / 135 | ||
| Total Risk-Based Capital Ratio | 14.81% | 11.61% | 14.06% | 16.47% | Beats 61% | 53 / 135 | ||
| Equity / Assets | 11.21% | 9.87% | 11.05% | 13.07% | Beats 52% | 65 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.84% | 68.54% | 81.55% | 91.24% | 38th pctl | 83 / 134 | ||
| Loans / Assets | 67.06% | 57.61% | 68.06% | 76.23% | 47th pctl | 71 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||