Watkins Savings Bank, The
Watkins, IA · Cert 18071 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 1 branch
Q2 2026
$86.7MAssets
$32.5MLoans
$75.0MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 735 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.50%
Rank 633 of 746
Net Interest Margin
1.78%
Rank 735 of 746
Efficiency Ratio
70.75%
Rank 482 of 746
Equity / Assets
13.12%
Rank 181 of 746
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.72% | 1.06% | 1.45% | Beats 15% | 633 / 746 | |
| Return on Equity | 3.83% | 6.74% | 10.51% | 13.63% | Beats 14% | 645 / 746 | |
| Net Interest Margin | 1.78% | 3.17% | 3.68% | 4.16% | Beats 1% | 735 / 746 | |
| Efficiency Ratio | 70.75% | 55.74% | 64.58% | 75.47% | Beats 36% | 482 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.80% | 11.55% | 13.75% | 17.60% | Beats 59% | 304 / 746 | |
| Total Risk-Based Capital Ratio | 14.80% | 11.71% | 14.33% | 18.43% | Beats 54% | 346 / 746 | |
| Equity / Assets | 13.12% | 8.90% | 10.51% | 13.06% | Beats 76% | 181 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 43.28% | 61.31% | 78.27% | 90.78% | 7th pctl | 694 / 746 | |
| Loans / Assets | 37.44% | 53.60% | 66.97% | 76.08% | 7th pctl | 692 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |