Northeast Security Bank
Sumner, IA · Cert 18384 · Peer group: banks under $1B in assets in IA (n=134-135) · Independence Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$461.9MAssets
$271.9MLoans
$379.1MDeposits
$51.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in IA (rank 118 of 134).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.19%
Rank 69 of 135
Net Interest Margin
2.96%
Rank 101 of 135
Efficiency Ratio
52.30%
Rank 44 of 135
Equity / Assets
11.05%
Rank 68 of 135
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 68% 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 | 1.19% | 0.92% | 1.19% | 1.47% | Beats 49% | 69 / 135 | | |
| Return on Equity | 10.77% | 7.99% | 10.26% | 13.14% | Beats 56% | 59 / 135 | | |
| Net Interest Margin | 2.96% | 2.95% | 3.41% | 3.73% | Beats 25% | 101 / 135 | | |
| Efficiency Ratio | 52.30% | 50.61% | 57.35% | 63.29% | Beats 68% | 44 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.03% | Beats 13% | 118 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 15.42% | 11.23% | 13.31% | 15.45% | Beats 74% | 35 / 135 | | |
| Total Risk-Based Capital Ratio | 16.67% | 11.61% | 14.06% | 16.47% | Beats 78% | 30 / 135 | | |
| Equity / Assets | 11.05% | 9.87% | 11.05% | 13.07% | Beats 50% | 68 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.72% | 68.54% | 81.55% | 91.24% | 30th pctl | 94 / 134 | | |
| Loans / Assets | 58.86% | 57.61% | 68.06% | 76.23% | 28th pctl | 97 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |