Greatamerica Bank National Association
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
$450.0MAssets
$259.2MLoans
$56.1MDeposits
$254.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in IA (rank 135 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 1% 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 | -1.07% | 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 |