Saint Ansgar, IA · Cert 17259 · St Ansgar Bcorp
State charter, Fed member · FED · 2 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.70% | 0.69% | 0.85% | 0.92% | +21 bps | |
| Return on Equity | 7.64% | 7.43% | 7.35% | 8.98% | 9.53% | +189 bps | |
| Net Interest Margin | 2.49% | 2.56% | 2.58% | 2.73% | 2.80% | +31 bps | |
| Efficiency Ratio | 65.29% | 66.00% | 66.75% | 61.38% | 58.79% | -650 bps | |
| Non-Interest Burden | 1.59% | 1.65% | 1.67% | 1.60% | 1.59% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.66% | 3.19% | -2.36% | -1.93% | -0.57% | -322 bps | |
| Loan Growth (YoY) | 10.13% | 8.66% | 2.89% | 4.46% | 2.63% | -750 bps | |
| Deposit Growth (YoY) | 3.40% | 3.84% | 4.17% | 2.05% | 1.32% | -208 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 1.61% | 0.87% | 0.52% | 0.11% | -80 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.83% | 0.83% | 0.80% | 0.87% | +5 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.5x | 0.9x | 1.5x | 7.7x | +6.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.33% | 9.54% | 9.51% | 9.48% | 9.74% | +41 bps | |
| Total Risk-Based Capital | 9.33% | 9.54% | 9.51% | 9.48% | 9.74% | +41 bps | |
| Equity / Assets | 9.68% | 9.60% | 9.42% | 9.54% | 10.04% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.78% | 90.67% | 86.03% | 92.26% | 90.93% | +116 bps | |
| Liquid Assets / Assets | 29.95% | 29.64% | 28.55% | 26.94% | 28.62% | -132 bps | |
| CRE / Total Capital | n/a | 43.25% | 42.23% | 40.64% | n/a | n/a | |