Bussey, IA · Cert 1556 · Twin Cedars Bcorp Inc.
State charter, non-member · FDIC · 4 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
48
Asset Quality
3
Profitability
22
Liquidity
74
Efficiency
2
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.
Bussey, IA · Cert 1556 · Twin Cedars Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.0% share · #56 of 57 inst. · $0.0B of $38.0B
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 | 0.14% | 0.17% | 0.59% | 0.68% | 0.26% | 0.31% | -0.34% | -2.34% | -302 bps | |
| Return on Equity | 1.15% | 1.44% | 4.81% | 5.62% | 2.16% | 2.65% | -3.03% | -20.88% | -2,650 bps | |
| Net Interest Margin | 4.13% | 3.71% | 4.24% | 4.31% | 4.19% | 4.15% | 3.88% | 3.59% | -72 bps | |
| Efficiency Ratio | 71.61% | 71.39% | 69.22% | 67.05% | 67.98% | 69.46% | 79.64% | 108.20% | +4,115 bps | |
| Non-Interest Burden | 3.02% | 2.70% | 2.97% | 2.93% | 2.90% | 2.94% | 3.16% | 3.97% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.26% | 38.57% | 34.73% | 26.22% | 19.51% | 13.10% | 4.70% | 4.46% | -2,176 bps | |
| Loan Growth (YoY) | 32.40% | 29.48% | 25.99% | 23.34% | 24.24% | 15.22% | 5.63% | -3.42% | -2,676 bps | |
| Deposit Growth (YoY) | 32.51% | 38.71% | 35.63% | 33.37% | 23.50% | 14.78% | 7.30% | 6.04% | -2,733 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 1.20% | 1.04% | 1.93% | 1.69% | 1.98% | 4.17% | 4.61% | +268 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.20% | 0.10% | 0.70% | 0.60% | 0.87% | 1.94% | +183 bps | |
| Allowance / Loans | 1.86% | 1.93% | 1.89% | 1.97% | 1.88% | 1.95% | 2.12% | 2.88% | +91 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.6x | 1.8x | 1.0x | 1.1x | 1.0x | 0.5x | 0.6x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.99% | 11.59% | 11.58% | 11.43% | 10.90% | 10.94% | 10.79% | 9.19% | -224 bps | |
| Total Risk-Based Capital | 16.26% | 15.63% | 14.71% | 15.12% | 14.05% | 14.50% | 14.82% | 14.21% | -91 bps | |
| Equity / Assets | 13.06% | 12.33% | 12.03% | 12.08% | 11.17% | 11.20% | 11.57% | 10.85% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.53% | 93.78% | 95.93% | 95.27% | 98.11% | 94.14% | 94.45% | 86.78% | -850 bps | |
| Liquid Assets / Assets | 11.75% | 15.60% | 12.86% | 12.92% | 9.95% | 13.19% | 13.56% | 20.02% | +710 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 242% | 250% | n/a | n/a | |
Bussey, IA · Cert 1556 · Peer group: banks under $1B in assets in IA (n=134-135) · Twin Cedars Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
-2.36%
Rank 135 of 135
Net Interest Margin
3.59%
Rank 46 of 135
Efficiency Ratio
111.48%
Rank 133 of 135
Equity / Assets
10.85%
Rank 73 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.36% | 0.92% | 1.19% | 1.47% | Beats 0% | 135 / 135 | ||
| Return on Equity | -21.72% | 7.99% | 10.26% | 13.14% | Beats 0% | 135 / 135 | ||
| Net Interest Margin | 3.59% | 2.95% | 3.41% | 3.73% | Beats 66% | 46 / 135 | ||
| Efficiency Ratio | 111.48% | 50.61% | 57.35% | 63.29% | Beats 2% | 133 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.61% | 0.03% | 0.51% | 1.26% | Beats 4% | 130 / 134 | ||
| Net Charge-Offs / Loans | 0.97% | n/a | 0.01% | 0.03% | Beats 1% | 134 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.94% | 11.23% | 13.31% | 15.45% | Beats 45% | 74 / 135 | ||
| Total Risk-Based Capital Ratio | 14.21% | 11.61% | 14.06% | 16.47% | Beats 53% | 63 / 135 | ||
| Equity / Assets | 10.85% | 9.87% | 11.05% | 13.07% | Beats 46% | 73 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.78% | 68.54% | 81.55% | 91.24% | 61st pctl | 52 / 134 | ||
| Loans / Assets | 76.75% | 57.61% | 68.06% | 76.23% | 76th pctl | 32 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||