Springville, IA · Cert 16094 · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (12 in holding)
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.5% share · #28 of 35 inst. · $0.0B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.59% | 0.76% | 0.89% | 1.14% | +53 bps | |
| Return on Equity | 7.89% | 7.30% | 8.97% | 10.64% | 13.52% | +563 bps | |
| Net Interest Margin | 3.51% | 3.46% | 3.51% | 3.58% | 3.71% | +20 bps | |
| Efficiency Ratio | 77.85% | 78.73% | 75.53% | 71.35% | 64.63% | -1,322 bps | |
| Non-Interest Burden | 2.70% | 2.67% | 2.56% | 2.43% | 2.31% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.28% | -7.59% | -3.05% | 2.23% | -0.08% | +621 bps | |
| Loan Growth (YoY) | -7.06% | -11.60% | -9.11% | -6.50% | -4.25% | +281 bps | |
| Deposit Growth (YoY) | -2.60% | 0.58% | 2.01% | 1.97% | 0.37% | +297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.00% | 1.13% | 0.57% | +47 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.01% | -0.03% | -0.03% | -0.04% | -2 bps | |
| Allowance / Loans | 1.30% | 1.31% | 1.36% | 1.38% | 1.38% | +8 bps | |
| Allowance Coverage of NPLs | 13.9x | 13.7x | n/a | 1.2x | 2.4x | -11.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.98% | 9.08% | 9.14% | 9.02% | 9.51% | +53 bps | |
| Total Risk-Based Capital | 12.67% | 9.08% | 9.14% | 9.02% | 9.51% | -316 bps | |
| Equity / Assets | 7.87% | 8.42% | 8.56% | 8.19% | 8.64% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.28% | 62.95% | 61.45% | 58.00% | 59.41% | -287 bps | |
| Liquid Assets / Assets | 1.51% | 0.58% | 0.64% | 0.60% | 0.65% | -85 bps | |
| CRE / Total Capital | n/a | 80.97% | 92.53% | 76.26% | n/a | n/a | |