Emmetsburg, IA · Cert 18400 · Emmetsburg Bank Shares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.3% share · #34 of 57 inst. · $0.1B of $38.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.66% | 0.64% | 1.86% | 0.53% | 0.85% | 0.63% | 0.60% | -126 bps | |
| Return on Equity | 3.67% | 6.50% | 6.32% | 17.85% | 4.83% | 7.56% | 5.56% | 5.28% | -1,257 bps | |
| Net Interest Margin | 3.00% | 2.89% | 3.06% | 3.10% | 3.20% | 3.27% | 3.32% | 3.44% | +34 bps | |
| Efficiency Ratio | 81.48% | 69.61% | 71.68% | 51.52% | 79.94% | 66.46% | 75.71% | 76.43% | +2,490 bps | |
| Non-Interest Burden | 2.49% | 2.03% | 2.22% | 0.72% | 2.50% | 1.81% | 2.48% | 2.64% | +192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.67% | -0.76% | -2.33% | -2.18% | -5.58% | -3.35% | -4.65% | -1.22% | +96 bps | |
| Loan Growth (YoY) | 18.97% | 6.31% | 2.15% | -1.64% | -8.14% | -11.35% | -4.82% | -2.17% | -53 bps | |
| Deposit Growth (YoY) | 16.39% | 0.64% | 1.49% | -0.79% | -5.61% | -5.16% | -8.49% | -1.51% | -72 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.90% | 0.50% | 0.12% | 0.33% | 0.43% | 0.33% | 0.79% | +68 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.39% | 0.09% | 0.03% | -0.22% | -0.06% | 0.64% | 0.02% | -1 bps | |
| Allowance / Loans | 1.55% | 1.46% | 1.46% | 1.45% | 1.57% | 1.65% | 1.41% | 1.38% | -7 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 2.9x | 12.5x | 4.8x | 3.8x | 4.3x | 1.7x | -10.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.53% | 9.82% | 10.22% | 10.66% | 10.65% | 10.84% | 10.82% | +60 bps | |
| Total Risk-Based Capital | 11.99% | 12.14% | 12.54% | 13.32% | 13.80% | 14.24% | 13.87% | 10.82% | -249 bps | |
| Equity / Assets | 10.17% | 10.11% | 10.13% | 10.69% | 11.19% | 11.32% | 11.33% | 11.42% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.75% | 95.00% | 90.54% | 94.30% | 92.21% | 88.81% | 94.17% | 93.67% | -63 bps | |
| Liquid Assets / Assets | 7.53% | 6.23% | 7.80% | 6.83% | 6.49% | 9.35% | 4.80% | 4.38% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 398% | 384% | 406% | n/a | n/a | |