Clear Lake, IA · Cert 15690 · Arneson Bancshares Inc.
State charter, Fed member · FED · 5 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
23
Asset Quality
59
Profitability
85
Liquidity
84
Efficiency
61
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.
Clear Lake, IA · Cert 15690 · Arneson Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
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 | 1.17% | 1.17% | 1.41% | 1.49% | 1.49% | 1.47% | 1.48% | 1.58% | +9 bps | |
| Return on Equity | 14.70% | 14.70% | 17.42% | 18.22% | 18.13% | 17.81% | 17.52% | 18.61% | +38 bps | |
| Net Interest Margin | 3.14% | 3.12% | 3.50% | 3.60% | 3.56% | 3.59% | 3.70% | 3.82% | +22 bps | |
| Efficiency Ratio | 61.97% | 62.31% | 57.21% | 56.21% | 56.06% | 56.42% | 55.01% | 53.75% | -246 bps | |
| Non-Interest Burden | 1.62% | 1.63% | 1.65% | 1.67% | 1.65% | 1.68% | 1.70% | 1.69% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.01% | 4.10% | 7.59% | 4.83% | 11.43% | 5.91% | 5.16% | 6.98% | +215 bps | |
| Loan Growth (YoY) | 9.16% | 7.11% | 7.27% | 8.56% | 9.76% | 7.45% | 6.00% | 4.87% | -369 bps | |
| Deposit Growth (YoY) | 2.98% | 3.66% | 7.37% | 4.30% | 11.50% | 5.48% | 4.84% | 6.86% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.16% | 0.17% | 0.13% | 0.07% | 0.10% | 0.02% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.07% | 0.05% | 0.06% | 0.02% | 0.02% | -5 bps | |
| Allowance / Loans | 1.33% | 1.31% | 1.29% | 1.24% | 1.23% | 1.28% | 1.29% | 1.31% | +7 bps | |
| Allowance Coverage of NPLs | 67.8x | 8.2x | 7.4x | 9.8x | 17.6x | 12.7x | 81.0x | 270.0x | +260.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.27% | 8.12% | 8.37% | 8.33% | 8.22% | 8.23% | 8.49% | 8.53% | +20 bps | |
| Total Risk-Based Capital | 12.14% | 12.10% | 12.31% | 12.21% | 12.10% | 12.29% | 12.60% | 12.53% | +32 bps | |
| Equity / Assets | 8.40% | 7.97% | 8.22% | 8.40% | 8.27% | 8.39% | 8.52% | 8.58% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.78% | 82.55% | 83.08% | 86.23% | 84.44% | 84.09% | 84.00% | 84.62% | -161 bps | |
| Liquid Assets / Assets | 2.56% | 5.94% | 6.56% | 3.21% | 6.93% | 7.97% | 7.08% | 6.17% | +296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 424% | 425% | 427% | n/a | n/a | |
Clear Lake, IA · Cert 15690 · Peer group: banks under $1B in assets in IA (n=134-135) · Arneson Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
1.57%
Rank 27 of 135
Net Interest Margin
3.82%
Rank 29 of 135
Efficiency Ratio
53.75%
Rank 53 of 135
Equity / Assets
8.58%
Rank 121 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.92% | 1.19% | 1.47% | Beats 80% | 27 / 135 | ||
| Return on Equity | 18.28% | 7.99% | 10.26% | 13.14% | Beats 95% | 7 / 135 | ||
| Net Interest Margin | 3.82% | 2.95% | 3.41% | 3.73% | Beats 79% | 29 / 135 | ||
| Efficiency Ratio | 53.75% | 50.61% | 57.35% | 63.29% | Beats 61% | 53 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 81% | 26 / 134 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 37% | 86 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.28% | 11.23% | 13.31% | 15.45% | Beats 26% | 100 / 135 | ||
| Total Risk-Based Capital Ratio | 12.53% | 11.61% | 14.06% | 16.47% | Beats 34% | 89 / 135 | ||
| Equity / Assets | 8.58% | 9.87% | 11.05% | 13.07% | Beats 10% | 121 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.62% | 68.54% | 81.55% | 91.24% | 58th pctl | 56 / 134 | ||
| Loans / Assets | 76.23% | 57.61% | 68.06% | 76.23% | 75th pctl | 34 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||