Stuart, IA · Cert 16177
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.3% share · #38 of 57 inst. · $0.1B of $38.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.11% | 0.96% | 2.09% | 0.54% | 0.98% | 1.12% | 1.17% | -92 bps | |
| Return on Equity | 11.55% | 10.00% | 8.76% | 18.45% | 4.53% | 8.25% | 9.67% | 9.84% | -861 bps | |
| Net Interest Margin | 3.75% | 3.92% | 3.80% | 3.92% | 3.94% | 3.92% | 3.63% | 3.76% | -16 bps | |
| Efficiency Ratio | 58.61% | 66.04% | 57.56% | 46.69% | 71.13% | 62.53% | 61.57% | 62.14% | +1,545 bps | |
| Non-Interest Burden | 2.08% | 2.51% | 2.11% | 1.17% | 2.72% | 2.16% | 2.16% | 2.25% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.77% | -6.01% | -2.60% | -0.22% | 0.00% | 6.29% | 3.32% | 6.12% | +633 bps | |
| Loan Growth (YoY) | 1.77% | 2.23% | 4.78% | 4.99% | 4.37% | -5.93% | -13.31% | -10.41% | -1,540 bps | |
| Deposit Growth (YoY) | -8.91% | -8.13% | -4.49% | -1.89% | -1.04% | 6.09% | 2.78% | 6.00% | +789 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.60% | 0.32% | 0.01% | 0.00% | 0.04% | -0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 1.45% | 1.23% | 1.43% | 1.56% | 1.69% | 2.01% | 2.23% | 2.18% | +62 bps | |
| Allowance Coverage of NPLs | 4.1x | 76.3x | n/a | n/a | n/a | n/a | 61.7x | 63.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.10% | 10.85% | 10.88% | 11.62% | 12.11% | 11.92% | 11.79% | 11.95% | +33 bps | |
| Total Risk-Based Capital | 23.38% | 22.26% | 24.29% | 25.34% | 25.15% | 26.79% | 31.46% | 29.07% | +373 bps | |
| Equity / Assets | 11.07% | 11.12% | 10.90% | 11.77% | 12.25% | 11.57% | 11.67% | 12.03% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.32% | 57.77% | 54.27% | 57.46% | 59.41% | 51.22% | 45.77% | 48.56% | -890 bps | |
| Liquid Assets / Assets | 23.48% | 28.52% | 20.70% | 10.05% | 12.87% | 29.29% | 15.26% | 6.62% | -343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 79.85% | 62.11% | 47.43% | n/a | n/a | |