Cusb Bank
Cresco, IA · Cert 18443 · Peer group: banks under $1B in assets in IA (n=134-135) · How-Win Development Co.
State charter, Fed member · FED · 7 branches
Q2 2026
$812.1MAssets
$643.1MLoans
$699.3MDeposits
$95.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 59% of banks under $1B in assets in IA (rank 55 of 135).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in IA (rank 120 of 134).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.25%
Rank 63 of 135
Net Interest Margin
3.46%
Rank 59 of 135
Efficiency Ratio
54.50%
Rank 58 of 135
Equity / Assets
11.77%
Rank 55 of 135
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 58% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.92% | 1.19% | 1.47% | Beats 53% | 63 / 135 | |
| Return on Equity | 10.59% | 7.99% | 10.26% | 13.14% | Beats 55% | 61 / 135 | |
| Net Interest Margin | 3.46% | 2.95% | 3.41% | 3.73% | Beats 56% | 59 / 135 | |
| Efficiency Ratio | 54.50% | 50.61% | 57.35% | 63.29% | Beats 58% | 58 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.03% | 0.51% | 1.26% | Beats 44% | 76 / 134 | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.03% | Beats 11% | 120 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.23% | 13.31% | 15.45% | Beats 35% | 88 / 135 | |
| Total Risk-Based Capital Ratio | 12.27% | 11.61% | 14.06% | 16.47% | Beats 30% | 95 / 135 | |
| Equity / Assets | 11.77% | 9.87% | 11.05% | 13.07% | Beats 59% | 55 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 91.97% | 68.54% | 81.55% | 91.24% | 76th pctl | 32 / 134 | |
| Loans / Assets | 79.19% | 57.61% | 68.06% | 76.23% | 83rd pctl | 23 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |