Bankiowa
Cedar Rapids, IA · Cert 17282 · Peer group: banks under $1B in assets in IA (n=134-135) · Fidelity Ban Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
$846.2MAssets
$695.5MLoans
$712.7MDeposits
$105.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in IA (rank 22 of 135).
- Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets in IA (rank 96 of 134).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.29%
Rank 60 of 135
Net Interest Margin
3.88%
Rank 22 of 135
Efficiency Ratio
61.62%
Rank 94 of 135
Equity / Assets
12.47%
Rank 43 of 135
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 31% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.92% | 1.19% | 1.47% | Beats 56% | 60 / 135 | |
| Return on Equity | 10.36% | 7.99% | 10.26% | 13.14% | Beats 51% | 66 / 135 | |
| Net Interest Margin | 3.88% | 2.95% | 3.41% | 3.73% | Beats 84% | 22 / 135 | |
| Efficiency Ratio | 61.62% | 50.61% | 57.35% | 63.29% | Beats 31% | 94 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.03% | 0.51% | 1.26% | Beats 29% | 96 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 34% | 89 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 12.46% | 11.23% | 13.31% | 15.45% | Beats 40% | 81 / 135 | |
| Total Risk-Based Capital Ratio | 12.46% | 11.61% | 14.06% | 16.47% | Beats 33% | 91 / 135 | |
| Equity / Assets | 12.47% | 9.87% | 11.05% | 13.07% | Beats 68% | 43 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 97.58% | 68.54% | 81.55% | 91.24% | 86th pctl | 19 / 134 | |
| Loans / Assets | 82.19% | 57.61% | 68.06% | 76.23% | 90th pctl | 14 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |