Dysart State Bank
Dysart, IA · Cert 17441 · Peer group: banks under $1B in assets in IA (n=134-135) · Dysart Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$16.5MAssets
$12.2MLoans
$13.3MDeposits
$1.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in IA (rank 111 of 134).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.78%
Rank 12 of 135
Net Interest Margin
4.19%
Rank 10 of 135
Efficiency Ratio
52.67%
Rank 48 of 135
Equity / Assets
11.79%
Rank 54 of 135
Non-interest income vs. expense
Unfavorable gap of $344K · efficiency ratio beats 65% 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 | 1.78% | 0.92% | 1.19% | 1.47% | Beats 91% | 12 / 135 | | |
| Return on Equity | 15.06% | 7.99% | 10.26% | 13.14% | Beats 85% | 20 / 135 | | |
| Net Interest Margin | 4.19% | 2.95% | 3.41% | 3.73% | Beats 93% | 10 / 135 | | |
| Efficiency Ratio | 52.67% | 50.61% | 57.35% | 63.29% | Beats 65% | 48 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.03% | 0.51% | 1.26% | Beats 18% | 111 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 16.09% | 11.23% | 13.31% | 15.45% | Beats 79% | 28 / 135 | | |
| Total Risk-Based Capital Ratio | 17.12% | 11.61% | 14.06% | 16.47% | Beats 81% | 25 / 135 | | |
| Equity / Assets | 11.79% | 9.87% | 11.05% | 13.07% | Beats 60% | 54 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.16% | 68.54% | 81.55% | 91.24% | 77th pctl | 31 / 134 | | |
| Loans / Assets | 73.98% | 57.61% | 68.06% | 76.23% | 67th pctl | 45 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |