Forest City, IA · Cert 16307 · MBT Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
46
Profitability
44
Liquidity
97
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Forest City, IA · Cert 16307 · MBT Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 2.4% share · #14 of 34 inst. · $0.2B of $7.6B
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 | 0.75% | 0.74% | 0.76% | 0.94% | 0.95% | 0.98% | 0.92% | 1.05% | +11 bps | |
| Return on Equity | 9.02% | 8.74% | 7.98% | 9.69% | 9.54% | 9.74% | 8.55% | 9.71% | +1 bps | |
| Net Interest Margin | 2.78% | 2.77% | 2.94% | 3.12% | 3.18% | 3.20% | 3.41% | 3.44% | +31 bps | |
| Efficiency Ratio | 69.67% | 68.99% | 70.56% | 65.88% | 66.22% | 65.43% | 69.96% | 65.67% | -21 bps | |
| Non-Interest Burden | 1.71% | 1.68% | 1.86% | 1.79% | 1.83% | 1.81% | 2.14% | 1.97% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.53% | -3.62% | -4.21% | -5.50% | -2.83% | -1.18% | -0.48% | 1.52% | +702 bps | |
| Loan Growth (YoY) | 3.59% | -1.18% | -3.30% | -3.67% | -5.55% | -2.06% | -1.89% | 0.63% | +430 bps | |
| Deposit Growth (YoY) | 1.62% | 3.11% | 0.71% | -5.61% | -1.97% | 0.13% | -1.07% | 2.12% | +774 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.83% | 0.75% | 0.58% | 1.69% | 0.53% | 0.72% | 0.94% | +37 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.21% | 1.28% | 1.34% | 1.40% | 1.46% | 1.43% | 1.49% | 1.52% | +13 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.5x | 1.8x | 2.4x | 0.9x | 2.7x | 2.1x | 1.6x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.43% | 9.72% | 10.04% | 10.23% | 10.35% | 10.37% | 10.44% | +39 bps | |
| Total Risk-Based Capital | 13.01% | 13.15% | 13.46% | 13.98% | 14.30% | 14.14% | 14.02% | 14.13% | +15 bps | |
| Equity / Assets | 9.39% | 9.26% | 9.69% | 10.16% | 10.61% | 10.83% | 10.74% | 10.82% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.60% | 83.84% | 82.11% | 81.77% | 82.47% | 82.01% | 81.43% | 80.57% | -119 bps | |
| Liquid Assets / Assets | 0.11% | 0.11% | 0.09% | 0.05% | 0.05% | 0.04% | 0.04% | 0.06% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 217% | 222% | n/a | n/a | |
Forest City, IA · Cert 16307 · Peer group: banks under $1B in assets in IA (n=134-135) · MBT Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.04%
Rank 85 of 135
Net Interest Margin
3.44%
Rank 65 of 135
Efficiency Ratio
65.99%
Rank 108 of 135
Equity / Assets
10.82%
Rank 74 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.92% | 1.19% | 1.47% | Beats 37% | 85 / 135 | ||
| Return on Equity | 9.64% | 7.99% | 10.26% | 13.14% | Beats 42% | 78 / 135 | ||
| Net Interest Margin | 3.44% | 2.95% | 3.41% | 3.73% | Beats 52% | 65 / 135 | ||
| Efficiency Ratio | 65.99% | 50.61% | 57.35% | 63.29% | Beats 21% | 108 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.03% | 0.51% | 1.26% | Beats 31% | 94 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 60% | 55 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 11.23% | 13.31% | 15.45% | Beats 44% | 75 / 135 | ||
| Total Risk-Based Capital Ratio | 14.13% | 11.61% | 14.06% | 16.47% | Beats 53% | 64 / 135 | ||
| Equity / Assets | 10.82% | 9.87% | 11.05% | 13.07% | Beats 45% | 74 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.57% | 68.54% | 81.55% | 91.24% | 49th pctl | 69 / 134 | ||
| Loans / Assets | 69.90% | 57.61% | 68.06% | 76.23% | 56th pctl | 60 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||