Storm Lake, IA · Cert 15555 · Commercial Financial Corp.
State charter, Fed member · FED · 23 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 10.8% share · #2 of 28 inst. · $0.5B 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 | 0.54% | 0.51% | 0.57% | 0.67% | 0.77% | 0.79% | 0.83% | 0.96% | +28 bps | |
| Return on Equity | 5.81% | 5.56% | 6.15% | 7.03% | 7.91% | 8.07% | 8.11% | 9.27% | +223 bps | |
| Net Interest Margin | 2.56% | 2.60% | 2.77% | 2.93% | 2.94% | 3.04% | 3.34% | 3.39% | +45 bps | |
| Efficiency Ratio | 77.49% | 78.88% | 78.30% | 75.49% | 73.26% | 73.07% | 75.29% | 70.47% | -502 bps | |
| Non-Interest Burden | 1.85% | 1.92% | 2.02% | 2.03% | 1.95% | 2.01% | 2.30% | 2.13% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.20% | 1.47% | 0.04% | -1.75% | 3.49% | 4.31% | 2.72% | 5.45% | +720 bps | |
| Loan Growth (YoY) | 4.04% | 0.82% | -1.47% | -1.70% | -0.29% | 2.78% | 4.65% | 5.53% | +723 bps | |
| Deposit Growth (YoY) | 6.92% | 5.99% | 2.55% | 0.64% | 4.65% | 3.48% | 1.52% | 3.19% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.04% | 0.06% | 0.11% | 0.07% | 0.06% | 0.35% | 0.32% | +22 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.02% | 1.04% | 1.05% | 1.02% | 1.00% | 1.01% | 1.01% | 0.99% | -3 bps | |
| Allowance Coverage of NPLs | 29.9x | 24.2x | 16.7x | 9.6x | 14.3x | 15.9x | 2.9x | 3.1x | -6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.05% | 8.96% | 10.00% | 9.71% | 9.85% | 9.99% | 10.09% | +9 bps | |
| Total Risk-Based Capital | 10.57% | 10.56% | 10.61% | 11.42% | 11.48% | 11.52% | 11.46% | 11.55% | +13 bps | |
| Equity / Assets | 9.28% | 9.22% | 9.22% | 10.29% | 10.05% | 10.23% | 10.35% | 10.35% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.87% | 103.79% | 101.50% | 104.29% | 100.86% | 103.09% | 104.63% | 106.65% | +236 bps | |
| Liquid Assets / Assets | 1.35% | 1.74% | 3.08% | 0.83% | 3.90% | 2.38% | 1.05% | 1.10% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 437% | 438% | n/a | n/a | |