Sheldon, IA · Cert 18356 · Dixon Bancshares Inc.
State charter, non-member · FDIC · 2 branches
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 | 1.14% | 1.16% | 1.29% | 1.42% | 1.42% | +28 bps | |
| Return on Equity | 9.90% | 10.01% | 11.07% | 11.99% | 11.49% | +159 bps | |
| Net Interest Margin | 2.94% | 3.14% | 3.17% | 3.28% | 3.45% | +51 bps | |
| Efficiency Ratio | 54.91% | 54.28% | 44.39% | 48.14% | 45.58% | -933 bps | |
| Non-Interest Burden | 1.52% | 1.60% | 0.95% | 1.45% | 1.44% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.71% | 4.71% | 8.13% | 6.20% | 3.30% | +601 bps | |
| Loan Growth (YoY) | 5.75% | 6.80% | 6.47% | 7.86% | 7.35% | +160 bps | |
| Deposit Growth (YoY) | 10.42% | 10.85% | 7.46% | 5.52% | 0.21% | -1,021 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.24% | 1.22% | 1.20% | +14 bps | |
| Allowance Coverage of NPLs | 1304.0x | 260.8x | n/a | 45.1x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.72% | 12.18% | 11.74% | 12.00% | 12.45% | +73 bps | |
| Total Risk-Based Capital | 11.72% | 12.18% | 11.74% | 12.00% | 12.45% | +73 bps | |
| Equity / Assets | 11.53% | 11.65% | 11.72% | 11.98% | 12.69% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.98% | 73.17% | 72.81% | 74.97% | 79.25% | +527 bps | |
| Liquid Assets / Assets | 14.85% | 17.12% | 17.43% | 17.44% | 11.69% | -316 bps | |
| CRE / Total Capital | n/a | 47.04% | 47.18% | 46.65% | n/a | n/a | |