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 | |