Cedar Rapids, IA · Cert 18463 · Delhi Bancshares Inc.
National charter · OCC · 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
99
Asset Quality
100
Profitability
1
Liquidity
0
Efficiency
1
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.
Cedar Rapids, IA · Cert 18463 · Delhi Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.4% share · #31 of 35 inst. · $0.0B of $8.8B
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 | -0.58% | -0.59% | -0.70% | -0.50% | -0.61% | -0.60% | -0.64% | -2.74% | -224 bps | |
| Return on Equity | -12.21% | -12.41% | -14.47% | -10.10% | -11.85% | -11.48% | -11.39% | -5.59% | +450 bps | |
| Net Interest Margin | 2.50% | 2.51% | 2.37% | 2.40% | 2.45% | 2.47% | 2.56% | 0.53% | -187 bps | |
| Efficiency Ratio | 120.41% | 120.36% | 126.71% | 118.55% | 122.38% | 121.25% | 121.14% | 133.88% | +1,533 bps | |
| Non-Interest Burden | 3.07% | 3.08% | 3.07% | 2.91% | 3.07% | 3.07% | 3.20% | 1.44% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.75% | -2.29% | -3.97% | -7.78% | -6.03% | -5.11% | -5.53% | 1062% | +106,988 bps | |
| Loan Growth (YoY) | 2.34% | 1.45% | -1.15% | -7.16% | -3.09% | -2.19% | -2.39% | 1253% | +125,972 bps | |
| Deposit Growth (YoY) | -1.30% | -4.24% | -10.88% | -7.90% | -7.45% | -4.15% | -5.35% | 64.58% | +7,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.89% | 0.90% | 0.90% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.90% | 0.90% | 0.93% | 0.89% | 0.91% | 0.91% | 1.01% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.0x | 1.0x | 1.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.01% | 8.74% | 8.78% | 8.78% | 8.58% | 8.60% | 61.62% | +5,284 bps | |
| Total Risk-Based Capital | 9.09% | 9.01% | 8.74% | 8.78% | 18.34% | 18.11% | 17.24% | 61.62% | +5,284 bps | |
| Equity / Assets | 5.38% | 4.62% | 5.07% | 5.21% | 5.58% | 5.66% | 5.50% | 56.47% | +5,126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.04% | 55.92% | 57.93% | 56.18% | 59.72% | 57.06% | 59.75% | 462% | +40,555 bps | |
| Liquid Assets / Assets | 15.18% | 15.68% | 14.56% | 13.37% | 13.12% | 12.81% | 12.91% | 0.62% | -1,275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 103.07% | 132.73% | 128.01% | n/a | n/a | |
Cedar Rapids, IA · Cert 18463 · Peer group: banks under $1B in assets in IA (n=134-135) · Delhi Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
-1.07%
Rank 134 of 135
Net Interest Margin
0.53%
Rank 135 of 135
Efficiency Ratio
133.88%
Rank 134 of 135
Equity / Assets
56.47%
Rank 2 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.07% | 0.92% | 1.19% | 1.47% | Beats 1% | 134 / 135 | ||
| Return on Equity | -1.90% | 7.99% | 10.26% | 13.14% | Beats 2% | 132 / 135 | ||
| Net Interest Margin | 0.53% | 2.95% | 3.41% | 3.73% | Beats 0% | 135 / 135 | ||
| Efficiency Ratio | 133.88% | 50.61% | 57.35% | 63.29% | Beats 1% | 134 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 61.62% | 11.23% | 13.31% | 15.45% | Beats 99% | 2 / 135 | ||
| Total Risk-Based Capital Ratio | 61.62% | 11.61% | 14.06% | 16.47% | Beats 99% | 2 / 135 | ||
| Equity / Assets | 56.47% | 9.87% | 11.05% | 13.07% | Beats 99% | 2 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 462% | 68.54% | 81.55% | 91.24% | 99th pctl | 1 / 134 | ||
| Loans / Assets | 57.61% | 57.61% | 68.06% | 76.23% | 24th pctl | 102 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||