Maquoketa, IA · Cert 17903 · Ohnward Bancshares Inc.
State charter, Fed member · FED · 2 affiliate banks · 4 branches (16 in holding)
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.89% | 1.37% | 1.35% | 1.33% | 1.35% | 1.41% | 1.44% | +9 bps | |
| Return on Equity | 6.17% | 6.54% | 9.95% | 9.66% | 9.38% | 9.36% | 9.33% | 9.40% | -26 bps | |
| Net Interest Margin | 2.29% | 2.25% | 3.03% | 2.96% | 2.96% | 2.87% | 2.92% | 2.98% | +2 bps | |
| Efficiency Ratio | 66.84% | 65.58% | 55.88% | 55.50% | 55.66% | 55.68% | 53.80% | 55.02% | -48 bps | |
| Non-Interest Burden | 1.24% | 1.18% | 1.30% | 1.25% | 1.25% | 1.21% | 1.16% | 1.24% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 4.69% | 2.69% | 3.16% | 3.59% | 3.26% | 5.73% | 1.87% | -129 bps | |
| Loan Growth (YoY) | 4.01% | 1.65% | 4.53% | 3.02% | 4.89% | 7.75% | 6.78% | 3.48% | +46 bps | |
| Deposit Growth (YoY) | 6.54% | 8.07% | 2.57% | 5.44% | 3.38% | 0.55% | 4.36% | -0.89% | -633 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.85% | 1.34% | 1.15% | 0.99% | 0.83% | 1.21% | 0.52% | -63 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.08% | 0.12% | 0.14% | 0.15% | -0.04% | -0.03% | -15 bps | |
| Allowance / Loans | 1.18% | 1.28% | 1.25% | 1.18% | 1.16% | 1.12% | 1.13% | 1.20% | +2 bps | |
| Allowance Coverage of NPLs | 7.5x | 1.5x | 0.9x | 1.0x | 1.2x | 1.3x | 0.9x | 2.3x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.61% | 15.89% | 16.35% | 16.56% | 16.97% | 16.42% | 16.55% | 16.45% | -11 bps | |
| Total Risk-Based Capital | 16.61% | 15.89% | 16.35% | 16.56% | 16.97% | 16.42% | 16.55% | 16.45% | -11 bps | |
| Equity / Assets | 14.01% | 13.50% | 14.09% | 14.44% | 14.72% | 15.28% | 14.97% | 15.74% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.63% | 61.43% | 63.77% | 65.65% | 64.56% | 65.83% | 65.26% | 68.54% | +289 bps | |
| Liquid Assets / Assets | 6.56% | 5.49% | 3.16% | 0.74% | 2.87% | 2.39% | 4.36% | 1.13% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.78% | 31.00% | 29.98% | n/a | n/a | |