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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.54% | 0.64% | 1.25% | 1.01% | 0.97% | 0.63% | 0.61% | -63 bps | |
| Return on Equity | 5.00% | 5.41% | 6.32% | 12.11% | 9.60% | 9.11% | 5.56% | 5.41% | -670 bps | |
| Net Interest Margin | 3.10% | 2.99% | 3.06% | 3.08% | 3.19% | 3.22% | 3.32% | 3.37% | +29 bps | |
| Efficiency Ratio | 80.60% | 77.98% | 71.68% | 59.39% | 65.82% | 65.99% | 75.71% | 76.06% | +1,667 bps | |
| Non-Interest Burden | 2.52% | 2.35% | 2.22% | 1.47% | 1.85% | 1.84% | 2.48% | 2.56% | +109 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 | -0.05% | 0.06% | 0.09% | 0.07% | -0.03% | -0.04% | 0.64% | 0.33% | +26 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 | |