Paton, IA · Cert 17551
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | -0.13% | 0.24% | 0.27% | 0.86% | -14 bps | |
| Return on Equity | 5.83% | -0.75% | 1.32% | 1.52% | 4.73% | -110 bps | |
| Net Interest Margin | 2.47% | 2.51% | 2.48% | 2.49% | 2.72% | +25 bps | |
| Efficiency Ratio | 60.07% | 76.72% | 90.29% | 85.49% | 73.88% | +1,381 bps | |
| Non-Interest Burden | 1.31% | 1.92% | 2.23% | 2.14% | 1.83% | +52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.63% | -1.78% | 3.18% | 2.02% | -1.37% | +126 bps | |
| Loan Growth (YoY) | -13.08% | -12.96% | -12.61% | -6.09% | -6.68% | +639 bps | |
| Deposit Growth (YoY) | -4.97% | -3.14% | 1.55% | 0.96% | -2.96% | +201 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.10% | 0.00% | 0.00% | 0.00% | 0.00% | -410 bps | |
| Net Charge-Offs / Loans | 0.00% | 16.71% | 0.00% | 0.00% | -0.24% | -24 bps | |
| Allowance / Loans | 3.82% | 0.32% | 0.31% | 0.33% | 0.39% | -343 bps | |
| Allowance Coverage of NPLs | 0.9x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.99% | 19.96% | 19.40% | 19.74% | 20.23% | +24 bps | |
| Total Risk-Based Capital | 39.28% | 38.42% | 35.38% | 37.67% | 40.18% | +89 bps | |
| Equity / Assets | 17.43% | 18.10% | 17.82% | 17.80% | 18.78% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.13% | 40.92% | 41.03% | 39.42% | 39.56% | -158 bps | |
| Liquid Assets / Assets | 0.80% | 1.05% | 3.72% | 2.10% | 0.78% | -2 bps | |
| CRE / Total Capital | n/a | 6.53% | 6.62% | 6.53% | n/a | n/a | |