Watkins, IA · Cert 18071
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.9% share · #23 of 35 inst. · $0.1B of $8.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.35% | 0.34% | 0.51% | 0.51% | +18 bps | |
| Return on Equity | 2.59% | 2.69% | 2.66% | 3.85% | 3.87% | +128 bps | |
| Net Interest Margin | 1.62% | 1.63% | 1.60% | 1.76% | 1.78% | +16 bps | |
| Efficiency Ratio | 80.40% | 79.28% | 77.98% | 71.90% | 70.75% | -965 bps | |
| Non-Interest Burden | 1.30% | 1.28% | 1.24% | 1.25% | 1.25% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.60% | 4.72% | 5.88% | 6.24% | 5.56% | +96 bps | |
| Loan Growth (YoY) | 7.20% | 4.84% | -0.65% | -3.67% | -1.67% | -887 bps | |
| Deposit Growth (YoY) | 3.41% | 4.35% | 4.34% | 5.80% | 5.21% | +180 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.32% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.51% | 0.52% | 0.51% | 0.52% | 0.52% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 8.9x | 1.6x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.53% | 15.54% | 15.03% | 15.08% | 14.80% | -73 bps | |
| Total Risk-Based Capital | 15.53% | 15.54% | 15.03% | 15.08% | 14.80% | -73 bps | |
| Equity / Assets | 12.81% | 13.79% | 13.34% | 12.96% | 13.12% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.31% | 47.30% | 46.80% | 43.61% | 43.28% | -303 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | 1.89% | 1.82% | 1.67% | n/a | n/a | |