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 (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 | 0.32% | 0.36% | 0.83% | 0.72% | 0.68% | 0.70% | 0.89% | 1.02% | +30 bps | |
| Return on Equity | 4.87% | 5.35% | 11.24% | 9.55% | 8.75% | 8.82% | 10.64% | 12.06% | +251 bps | |
| Net Interest Margin | 2.74% | 2.84% | 3.39% | 3.49% | 3.51% | 3.48% | 3.58% | 3.68% | +19 bps | |
| Efficiency Ratio | 85.68% | 84.36% | 74.76% | 76.27% | 77.08% | 76.67% | 71.35% | 68.05% | -823 bps | |
| Non-Interest Burden | 2.32% | 2.37% | 2.45% | 2.60% | 2.65% | 2.60% | 2.43% | 2.40% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.13% | -1.64% | -3.72% | -6.28% | -7.59% | -3.05% | 2.23% | -0.08% | +621 bps | |
| Loan Growth (YoY) | 19.42% | 6.37% | -2.15% | -7.06% | -11.60% | -9.11% | -6.50% | -4.25% | +281 bps | |
| Deposit Growth (YoY) | -5.44% | 3.36% | 10.68% | -2.60% | 0.58% | 2.01% | 1.97% | 0.37% | +297 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 1.80% | 0.48% | 0.09% | 0.10% | 0.00% | 1.13% | 0.57% | +47 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.09% | -0.03% | -0.03% | -0.01% | -0.02% | -0.03% | -0.04% | -1 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.24% | 1.30% | 1.31% | 1.36% | 1.38% | 1.38% | +8 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 2.6x | 13.9x | 13.7x | n/a | 1.2x | 2.4x | -11.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 8.54% | 8.64% | 8.98% | 9.08% | 9.14% | 9.02% | 9.51% | +53 bps | |
| Total Risk-Based Capital | 11.80% | 11.80% | 10.99% | 12.67% | 9.08% | 9.14% | 9.02% | 9.51% | -316 bps | |
| Equity / Assets | 7.12% | 7.17% | 7.55% | 7.87% | 8.42% | 8.56% | 8.19% | 8.64% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.62% | 68.96% | 63.26% | 62.28% | 62.95% | 61.45% | 58.00% | 59.41% | -287 bps | |
| Liquid Assets / Assets | 2.37% | 1.47% | 1.48% | 1.51% | 0.58% | 0.64% | 0.60% | 0.65% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 80.97% | 92.53% | 76.26% | n/a | n/a | |