St. Ansgar State Bank
Saint Ansgar, IA · Cert 17259 · Peer group: banks under $1B in assets in IA (n=134-135) · St Ansgar Bcorp
State charter, Fed member · FED · 2 branches
Q2 2026
$182.0MAssets
$123.9MLoans
$136.2MDeposits
$18.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in IA (rank 132 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.95%
Rank 98 of 135
Net Interest Margin
2.80%
Rank 109 of 135
Efficiency Ratio
58.79%
Rank 79 of 135
Equity / Assets
10.04%
Rank 94 of 135
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 42% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.92% | 1.19% | 1.47% | Beats 27% | 98 / 135 | | |
| Return on Equity | 9.42% | 7.99% | 10.26% | 13.14% | Beats 40% | 81 / 135 | | |
| Net Interest Margin | 2.80% | 2.95% | 3.41% | 3.73% | Beats 19% | 109 / 135 | | |
| Efficiency Ratio | 58.79% | 50.61% | 57.35% | 63.29% | Beats 42% | 79 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.03% | 0.51% | 1.26% | Beats 69% | 43 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.23% | 13.31% | 15.45% | Beats 2% | 132 / 135 | | |
| Total Risk-Based Capital Ratio | 9.74% | 11.61% | 14.06% | 16.47% | Beats 2% | 132 / 135 | | |
| Equity / Assets | 10.04% | 9.87% | 11.05% | 13.07% | Beats 30% | 94 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.93% | 68.54% | 81.55% | 91.24% | 72nd pctl | 38 / 134 | | |
| Loans / Assets | 68.06% | 57.61% | 68.06% | 76.23% | 50th pctl | 68 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |