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 | |