Maquoketa State Bank
Maquoketa, IA · Cert 17903 · Peer group: banks under $1B in assets in IA (n=134-135) · Ohnward Bancshares Inc.
State charter, Fed member · FED · 2 affiliate banks · 4 branches (16 in holding)
Q2 2026
$429.0MAssets
$224.4MLoans
$327.4MDeposits
$67.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in IA (rank 17 of 135).
- Widest gap: net interest margin trails 73% of banks under $1B in assets in IA (rank 99 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.46%
Rank 36 of 135
Net Interest Margin
2.98%
Rank 99 of 135
Efficiency Ratio
55.02%
Rank 63 of 135
Equity / Assets
15.74%
Rank 17 of 135
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 54% 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 | 1.46% | 0.92% | 1.19% | 1.47% | Beats 73% | 36 / 135 | | |
| Return on Equity | 9.29% | 7.99% | 10.26% | 13.14% | Beats 39% | 83 / 135 | | |
| Net Interest Margin | 2.98% | 2.95% | 3.41% | 3.73% | Beats 27% | 99 / 135 | | |
| Efficiency Ratio | 55.02% | 50.61% | 57.35% | 63.29% | Beats 54% | 63 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.03% | 0.51% | 1.26% | Beats 49% | 70 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 57% | 59 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 16.45% | 11.23% | 13.31% | 15.45% | Beats 81% | 26 / 135 | | |
| Total Risk-Based Capital Ratio | 16.45% | 11.61% | 14.06% | 16.47% | Beats 74% | 35 / 135 | | |
| Equity / Assets | 15.74% | 9.87% | 11.05% | 13.07% | Beats 87% | 17 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.54% | 68.54% | 81.55% | 91.24% | 25th pctl | 101 / 134 | | |
| Loans / Assets | 52.31% | 57.61% | 68.06% | 76.23% | 16th pctl | 113 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |