Cedar Rapids, IA · Cert 17282 · Fidelity Ban Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 4.0% share · #8 of 23 inst. · $0.2B of $4.7B
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 | 0.99% | 1.07% | 1.14% | 1.26% | 1.31% | +32 bps | |
| Return on Equity | 8.82% | 9.37% | 9.84% | 10.30% | 10.62% | +180 bps | |
| Net Interest Margin | 3.47% | 3.59% | 3.66% | 3.93% | 3.88% | +41 bps | |
| Efficiency Ratio | 65.97% | 63.95% | 63.10% | 62.88% | 61.62% | -435 bps | |
| Non-Interest Burden | 2.04% | 2.03% | 2.02% | 2.17% | 2.10% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.81% | -0.65% | 0.45% | -1.95% | 3.04% | +485 bps | |
| Loan Growth (YoY) | 6.09% | 7.24% | 5.68% | 1.25% | 1.60% | -449 bps | |
| Deposit Growth (YoY) | 4.44% | 3.87% | 7.32% | 1.14% | 5.81% | +137 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.62% | 0.46% | 0.45% | 1.00% | +82 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.21% | -0.04% | -0.06% | -17 bps | |
| Allowance / Loans | 1.10% | 1.15% | 1.07% | 1.10% | 1.14% | +4 bps | |
| Allowance Coverage of NPLs | 6.1x | 1.9x | 2.3x | 2.4x | 1.1x | -4.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.70% | 12.03% | 12.11% | 12.48% | 12.46% | +76 bps | |
| Total Risk-Based Capital | 11.70% | 12.03% | 12.11% | 12.48% | 12.46% | +76 bps | |
| Equity / Assets | 11.60% | 11.95% | 12.26% | 12.24% | 12.47% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.63% | 102.05% | 98.98% | 97.08% | 97.58% | -404 bps | |
| Liquid Assets / Assets | 1.44% | 0.58% | 1.61% | 2.03% | 1.13% | -31 bps | |
| CRE / Total Capital | n/a | 267% | 244% | 229% | n/a | n/a | |