Sumner, IA · Cert 18384 · Independence Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 2.8% share · #13 of 23 inst. · $0.1B of $4.7B
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 | 1.05% | 1.11% | 1.12% | 1.23% | 1.22% | +17 bps | |
| Return on Equity | 9.84% | 10.27% | 10.28% | 10.92% | 10.86% | +102 bps | |
| Net Interest Margin | 2.74% | 2.80% | 2.79% | 2.99% | 2.96% | +22 bps | |
| Efficiency Ratio | 54.84% | 53.82% | 53.80% | 51.95% | 52.26% | -258 bps | |
| Non-Interest Burden | 1.24% | 1.24% | 1.25% | 1.26% | 1.29% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.87% | 2.69% | 2.44% | 2.63% | 6.05% | +418 bps | |
| Loan Growth (YoY) | 5.99% | 4.95% | 4.98% | 4.48% | 3.22% | -276 bps | |
| Deposit Growth (YoY) | -5.27% | 0.51% | 1.76% | 2.05% | 10.49% | +1,576 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.46% | 0.45% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.50% | 0.25% | +25 bps | |
| Allowance / Loans | 1.60% | 1.59% | 1.58% | 1.45% | 1.47% | -13 bps | |
| Allowance Coverage of NPLs | 87.8x | 3.4x | 3.5x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.61% | 10.63% | 10.65% | 10.68% | 10.77% | +16 bps | |
| Total Risk-Based Capital | 16.54% | 16.18% | 16.02% | 16.20% | 16.67% | +12 bps | |
| Equity / Assets | 11.02% | 11.27% | 11.32% | 11.27% | 11.05% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.77% | 77.94% | 75.62% | 77.08% | 71.72% | -505 bps | |
| Liquid Assets / Assets | 3.04% | 2.79% | 2.62% | 2.81% | 3.62% | +58 bps | |
| CRE / Total Capital | n/a | 79.80% | 81.63% | 78.29% | n/a | n/a | |