Defiance State Bank
Defiance, IA · Cert 17450 · Peer group: banks under $1B in assets in IA (n=134-135) · Union Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
$42.6MAssets
$32.2MLoans
$33.5MDeposits
$4.2MEquity
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 96% of banks under $1B in assets in IA (rank 130 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 126 of 135
Net Interest Margin
3.61%
Rank 45 of 135
Efficiency Ratio
80.65%
Rank 127 of 135
Equity / Assets
9.87%
Rank 102 of 135
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 7% 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 | 0.57% | 0.92% | 1.19% | 1.47% | Beats 7% | 126 / 135 | | |
| Return on Equity | 5.79% | 7.99% | 10.26% | 13.14% | Beats 11% | 120 / 135 | | |
| Net Interest Margin | 3.61% | 2.95% | 3.41% | 3.73% | Beats 67% | 45 / 135 | | |
| Efficiency Ratio | 80.65% | 50.61% | 57.35% | 63.29% | Beats 7% | 127 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.51% | 1.26% | Beats 70% | 41 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 11.23% | 13.31% | 15.45% | Beats 4% | 130 / 135 | | |
| Total Risk-Based Capital Ratio | 9.86% | 11.61% | 14.06% | 16.47% | Beats 4% | 130 / 135 | | |
| Equity / Assets | 9.87% | 9.87% | 11.05% | 13.07% | Beats 24% | 102 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.94% | 68.54% | 81.55% | 91.24% | 84th pctl | 22 / 134 | | |
| Loans / Assets | 75.51% | 57.61% | 68.06% | 76.23% | 73rd pctl | 36 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |