Maxwell, IA · Cert 15930 · Agcom Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 0.7% share · #22 of 26 inst. · $0.0B of $3.8B
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 | -11.44% | -9.04% | -1.03% | -0.94% | -1.74% | -1.93% | -3.41% | -4.91% | -398 bps | |
| Return on Equity | -95.05% | -81.65% | -11.55% | -9.95% | -16.45% | -17.42% | -27.52% | -37.67% | -2,772 bps | |
| Net Interest Margin | 2.46% | 2.51% | 2.53% | 2.57% | 2.66% | 2.71% | 2.95% | 3.26% | +70 bps | |
| Efficiency Ratio | 142.13% | 143.29% | 140.13% | 133.91% | 160.22% | 166.58% | 168.56% | 188.73% | +5,482 bps | |
| Non-Interest Burden | 13.89% | 11.36% | 3.58% | 3.46% | 4.30% | 4.57% | 5.08% | 6.28% | +282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.56% | -8.43% | -0.89% | -1.11% | 6.67% | 16.44% | 10.13% | 19.63% | +2,074 bps | |
| Loan Growth (YoY) | 18.95% | -5.95% | 0.67% | -10.12% | 7.19% | 22.03% | 82.46% | 111.02% | +12,114 bps | |
| Deposit Growth (YoY) | -2.10% | -0.92% | 2.78% | 2.16% | -1.63% | 8.78% | 8.72% | 14.56% | +1,240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.67% | 0.53% | 0.53% | 0.00% | 0.54% | 1.21% | 1.03% | +50 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.64% | 0.48% | 0.41% | 0.00% | 0 bps | |
| Allowance / Loans | 1.46% | 1.66% | 1.53% | 1.54% | 0.87% | 0.87% | 0.98% | 1.24% | -31 bps | |
| Allowance Coverage of NPLs | n/a | 2.5x | 2.9x | 2.9x | n/a | 1.6x | 0.8x | 1.2x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.60% | 8.41% | 12.99% | 11.63% | 14.40% | 13.87% | 11.83% | 15.45% | +382 bps | |
| Total Risk-Based Capital | 13.06% | 13.01% | 19.26% | 18.88% | 26.17% | 20.59% | 18.39% | 23.06% | +418 bps | |
| Equity / Assets | 7.13% | 6.89% | 10.73% | 10.37% | 13.93% | 12.93% | 11.86% | 14.17% | +380 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.51% | 33.53% | 35.22% | 33.48% | 39.78% | 37.61% | 59.11% | 61.67% | +2,819 bps | |
| Liquid Assets / Assets | 14.71% | 17.58% | 23.77% | 31.98% | 28.56% | 26.24% | 17.87% | 22.57% | -940 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.88% | 14.47% | 15.37% | n/a | n/a | |