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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.52% | 0.57% | 0.73% | 0.88% | +41 bps | |
| Return on Equity | 6.32% | 6.94% | 7.38% | 8.83% | 10.59% | +427 bps | |
| Net Interest Margin | 2.27% | 2.39% | 2.51% | 2.67% | 2.77% | +50 bps | |
| Efficiency Ratio | 76.78% | 70.84% | 70.84% | 65.13% | 64.12% | -1,266 bps | |
| Non-Interest Burden | 1.70% | 1.64% | 1.72% | 1.68% | 1.71% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.05% | 3.46% | 1.36% | -7.02% | -3.06% | -1,212 bps | |
| Loan Growth (YoY) | 10.78% | 15.14% | 9.09% | 9.07% | 2.86% | -792 bps | |
| Deposit Growth (YoY) | 8.16% | 2.86% | 0.60% | -8.16% | -3.72% | -1,188 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.49% | 2.16% | 1.46% | 1.93% | 2.88% | +39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.11% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.10% | 1.00% | 1.05% | 1.07% | -11 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.7x | 0.5x | 0.4x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.94% | 7.99% | 8.16% | 8.21% | 8.27% | +33 bps | |
| Total Risk-Based Capital | 15.76% | 14.82% | 14.65% | 14.99% | 15.36% | -40 bps | |
| Equity / Assets | 7.57% | 8.21% | 8.65% | 7.94% | 8.22% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.74% | 53.24% | 56.24% | 50.39% | 49.93% | +320 bps | |
| Liquid Assets / Assets | 13.52% | 9.04% | 9.69% | 16.22% | 12.81% | -72 bps | |
| CRE / Total Capital | n/a | 73.22% | 76.61% | 75.76% | n/a | n/a | |