Mediapolis, IA · Cert 15772 · Mediapolis Bcorp
State charter, non-member · FDIC · 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 | 0.78% | 0.83% | 0.89% | 1.01% | 1.04% | 1.03% | 1.12% | 1.24% | +23 bps | |
| Return on Equity | 8.78% | 9.37% | 9.91% | 11.13% | 11.14% | 10.96% | 11.39% | 12.52% | +139 bps | |
| Net Interest Margin | 2.66% | 2.74% | 2.97% | 2.94% | 2.97% | 2.99% | 3.49% | 3.49% | +55 bps | |
| Efficiency Ratio | 65.21% | 64.19% | 65.07% | 61.79% | 60.80% | 61.92% | 59.84% | 56.72% | -507 bps | |
| Non-Interest Burden | 1.67% | 1.69% | 1.86% | 1.74% | 1.73% | 1.77% | 2.02% | 1.90% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.70% | 4.09% | 4.84% | 4.90% | 5.08% | 2.97% | 5.05% | 2.11% | -278 bps | |
| Loan Growth (YoY) | 8.08% | 10.01% | 8.45% | 6.69% | 8.42% | 7.73% | 9.07% | 11.72% | +502 bps | |
| Deposit Growth (YoY) | -1.98% | 5.03% | 10.61% | 10.48% | 10.24% | 3.15% | 2.96% | -1.38% | -1,186 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.35% | 0.38% | 0.24% | 0.25% | 0.29% | 0.30% | 0.39% | +15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.00% | 0.00% | 0.00% | 0.02% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 1.22% | 1.16% | 1.14% | 1.13% | 1.11% | 1.06% | 1.03% | 1.00% | -13 bps | |
| Allowance Coverage of NPLs | 1.8x | 3.3x | 3.0x | 4.7x | 4.4x | 3.6x | 3.4x | 2.6x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.18% | 9.09% | 8.93% | 9.27% | 8.95% | 10.13% | 10.20% | +127 bps | |
| Total Risk-Based Capital | 9.51% | 9.18% | 9.09% | 8.93% | 9.27% | 8.95% | 10.13% | 10.20% | +127 bps | |
| Equity / Assets | 9.43% | 8.97% | 9.05% | 9.30% | 9.88% | 9.86% | 9.72% | 10.24% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.46% | 86.44% | 84.29% | 83.50% | 86.01% | 90.28% | 89.29% | 94.58% | +1,109 bps | |
| Liquid Assets / Assets | 5.98% | 3.68% | 4.14% | 6.41% | 6.43% | 4.22% | 5.64% | 3.70% | -271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 72.70% | 75.99% | 70.32% | n/a | n/a | |