Central Bank
Storm Lake, IA · Cert 15555 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commercial Financial Corp.
State charter, Fed member · FED · 23 branches
Q2 2026
$2.3BAssets
$2.0BLoans
$1.9BDeposits
$237.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 86% of banks $1B-$10B in assets operating regionally (rank 27 of 176).
- Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets operating regionally (rank 147 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.95%
Rank 130 of 176
Net Interest Margin
3.39%
Rank 114 of 176
Efficiency Ratio
70.53%
Rank 144 of 176
Equity / Assets
10.35%
Rank 88 of 176
Non-interest income vs. expense
Unfavorable gap of $48.4M · efficiency ratio beats 19% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.26% | 1.54% | Beats 26% | 130 / 176 | | |
| Return on Equity | 9.13% | 9.26% | 11.89% | 14.46% | Beats 23% | 135 / 176 | | |
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 35% | 114 / 176 | | |
| Efficiency Ratio | 70.53% | 52.79% | 59.55% | 67.66% | Beats 19% | 144 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 72% | 51 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 86% | 27 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.60% | 11.15% | 12.72% | 14.15% | Beats 16% | 147 / 176 | | |
| Total Risk-Based Capital Ratio | 11.55% | 11.81% | 13.63% | 15.33% | Beats 20% | 140 / 176 | | |
| Equity / Assets | 10.35% | 9.16% | 10.35% | 11.80% | Beats 50% | 88 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.65% | 80.94% | 89.73% | 97.21% | 97th pctl | 6 / 176 | | |
| Loans / Assets | 87.24% | 69.25% | 75.12% | 80.82% | 98th pctl | 4 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |