Radcliffe, IA · Cert 18448 · Drake Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
54
Profitability
30
Liquidity
0
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Radcliffe, IA · Cert 18448 · Drake Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 0.8% share · #20 of 26 inst. · $0.0B of $3.8B
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 | 0.10% | 0.14% | 0.14% | 0.46% | 0.52% | 0.57% | 0.73% | 0.88% | +41 bps | |
| Return on Equity | 1.43% | 2.01% | 1.93% | 6.32% | 6.94% | 7.38% | 8.83% | 10.59% | +427 bps | |
| Net Interest Margin | 1.85% | 1.88% | 2.14% | 2.27% | 2.39% | 2.51% | 2.67% | 2.77% | +50 bps | |
| Efficiency Ratio | 92.93% | 91.32% | 94.67% | 76.78% | 70.84% | 70.84% | 65.13% | 64.12% | -1,266 bps | |
| Non-Interest Burden | 1.70% | 1.69% | 2.01% | 1.70% | 1.64% | 1.72% | 1.68% | 1.71% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.76% | 1.25% | 14.79% | 9.05% | 3.46% | 1.36% | -7.02% | -3.06% | -1,212 bps | |
| Loan Growth (YoY) | 8.89% | 9.42% | 7.10% | 10.78% | 15.14% | 9.09% | 9.07% | 2.86% | -792 bps | |
| Deposit Growth (YoY) | 12.86% | 11.37% | 14.44% | 8.16% | 2.86% | 0.60% | -8.16% | -3.72% | -1,188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 2.42% | 2.06% | 2.49% | 2.16% | 1.46% | 1.93% | 2.88% | +39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.18% | 1.23% | 1.19% | 1.10% | 1.00% | 1.05% | 1.07% | -11 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.6x | 0.5x | 0.5x | 0.7x | 0.5x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.58% | 8.35% | 7.75% | 7.94% | 7.99% | 8.16% | 8.21% | 8.27% | +33 bps | |
| Total Risk-Based Capital | 16.82% | 15.75% | 15.27% | 15.76% | 14.82% | 14.65% | 14.99% | 15.36% | -40 bps | |
| Equity / Assets | 7.71% | 7.53% | 6.80% | 7.57% | 8.21% | 8.65% | 7.94% | 8.22% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.57% | 51.86% | 42.43% | 46.74% | 53.24% | 56.24% | 50.39% | 49.93% | +320 bps | |
| Liquid Assets / Assets | 14.85% | 11.69% | 24.05% | 13.52% | 9.04% | 9.69% | 16.22% | 12.81% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 73.22% | 76.61% | 75.76% | n/a | n/a | |
Radcliffe, IA · Cert 18448 · Peer group: banks under $1B in assets in IA (n=134-135) · Drake Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.87%
Rank 107 of 135
Net Interest Margin
2.77%
Rank 113 of 135
Efficiency Ratio
64.12%
Rank 106 of 135
Equity / Assets
8.22%
Rank 127 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.92% | 1.19% | 1.47% | Beats 21% | 107 / 135 | ||
| Return on Equity | 10.54% | 7.99% | 10.26% | 13.14% | Beats 53% | 63 / 135 | ||
| Net Interest Margin | 2.77% | 2.95% | 3.41% | 3.73% | Beats 16% | 113 / 135 | ||
| Efficiency Ratio | 64.12% | 50.61% | 57.35% | 63.29% | Beats 22% | 106 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.88% | 0.03% | 0.51% | 1.26% | Beats 7% | 125 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.51% | 11.23% | 13.31% | 15.45% | Beats 65% | 47 / 135 | ||
| Total Risk-Based Capital Ratio | 15.36% | 11.61% | 14.06% | 16.47% | Beats 66% | 46 / 135 | ||
| Equity / Assets | 8.22% | 9.87% | 11.05% | 13.07% | Beats 6% | 127 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.93% | 68.54% | 81.55% | 91.24% | 7th pctl | 125 / 134 | ||
| Loans / Assets | 45.72% | 57.61% | 68.06% | 76.23% | 12th pctl | 119 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||