Twin Cedars Bank
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
$118.3MAssets
$90.8MLoans
$104.7MDeposits
$12.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 66% of banks under $1B in assets in IA (rank 46 of 135).
- Widest gap: return on equity trails 100% of banks under $1B in assets in IA (rank 135 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 2% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |