Maxwell State Bank
Maxwell, IA · Cert 15930 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Agcom Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$31.7MAssets
$16.7MLoans
$27.0MDeposits
$4.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets operating in a single state (rank 96 of 746).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets operating in a single state (rank 742 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-4.50%
Rank 742 of 746
Net Interest Margin
3.26%
Rank 534 of 746
Efficiency Ratio
188.73%
Rank 742 of 746
Equity / Assets
14.17%
Rank 134 of 746
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.50% | 0.72% | 1.06% | 1.45% | Beats 1% | 742 / 746 | |
| Return on Equity | -31.79% | 6.74% | 10.51% | 13.63% | Beats 1% | 742 / 746 | |
| Net Interest Margin | 3.26% | 3.17% | 3.68% | 4.16% | Beats 28% | 534 / 746 | |
| Efficiency Ratio | 188.73% | 55.74% | 64.58% | 75.47% | Beats 1% | 742 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.09% | 0.42% | 1.07% | Beats 26% | 551 / 743 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 15% | 631 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 22.06% | 11.55% | 13.75% | 17.60% | Beats 87% | 96 / 746 | |
| Total Risk-Based Capital Ratio | 23.06% | 11.71% | 14.33% | 18.43% | Beats 87% | 97 / 746 | |
| Equity / Assets | 14.17% | 8.90% | 10.51% | 13.06% | Beats 82% | 134 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.67% | 61.31% | 78.27% | 90.78% | 25th pctl | 556 / 746 | |
| Loans / Assets | 52.49% | 53.60% | 66.97% | 76.08% | 23rd pctl | 575 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |