Des Moines, IA · Cert 15808 · Iowa State Bank Holding Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.0% share · #18 of 57 inst. · $0.4B 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 | 1.02% | 1.10% | 1.35% | 1.40% | 1.46% | 1.45% | 1.18% | 1.43% | +4 bps | |
| Return on Equity | 7.23% | 7.84% | 9.64% | 9.76% | 10.15% | 10.03% | 7.99% | 9.73% | -3 bps | |
| Net Interest Margin | 2.93% | 2.90% | 3.06% | 3.06% | 3.23% | 3.24% | 3.31% | 3.41% | +35 bps | |
| Efficiency Ratio | 71.87% | 69.58% | 64.10% | 63.92% | 62.38% | 63.20% | 70.01% | 63.73% | -19 bps | |
| Non-Interest Burden | 1.66% | 1.53% | 1.35% | 1.36% | 1.38% | 1.41% | 1.77% | 1.50% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 6.92% | 7.38% | 4.59% | 3.45% | -0.64% | 0.04% | 4.24% | -35 bps | |
| Loan Growth (YoY) | 6.51% | 3.63% | 3.87% | -0.41% | -1.34% | -4.01% | -3.25% | 2.85% | +326 bps | |
| Deposit Growth (YoY) | 1.65% | 4.53% | 5.90% | 3.56% | 3.36% | -0.37% | -0.41% | 3.72% | +16 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.77% | 0.75% | 0.75% | 0.74% | 0.72% | 0.74% | 0.75% | 0.75% | +1 bps | |
| Allowance Coverage of NPLs | 1038.5x | 46.0x | 41.9x | 41.5x | 40.0x | 40.9x | 42.6x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.67% | 15.61% | 15.83% | 15.54% | 15.31% | 15.46% | 15.54% | 15.92% | +38 bps | |
| Total Risk-Based Capital | 15.67% | 15.61% | 15.83% | 15.54% | 15.31% | 15.46% | 15.54% | 15.92% | +38 bps | |
| Equity / Assets | 14.72% | 13.64% | 14.45% | 14.89% | 14.74% | 14.77% | 14.72% | 14.68% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.11% | 71.94% | 72.12% | 71.15% | 71.70% | 69.32% | 70.06% | 70.56% | -60 bps | |
| Liquid Assets / Assets | 11.26% | 15.36% | 12.54% | 9.89% | 6.16% | 9.58% | 7.08% | 9.83% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 250% | 249% | n/a | n/a | |