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 (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 | 0.29% | 0.27% | 0.14% | 0.75% | 0.64% | 0.72% | 0.73% | 1.01% | +25 bps | |
| Return on Equity | 4.03% | 3.53% | 1.93% | 10.51% | 8.08% | 8.50% | 8.83% | 12.44% | +193 bps | |
| Net Interest Margin | 2.02% | 2.10% | 2.14% | 2.41% | 2.56% | 2.74% | 2.67% | 2.88% | +47 bps | |
| Efficiency Ratio | 86.16% | 87.00% | 94.67% | 61.37% | 60.24% | 70.82% | 65.13% | 63.19% | +182 bps | |
| Non-Interest Burden | 1.71% | 1.80% | 2.01% | 1.40% | 1.46% | 1.89% | 1.68% | 1.75% | +36 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% | 0.34% | 0.32% | 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 | |