Charles City, IA · Cert 1852 · Cedar Valley Bankshares Ltd.
State charter, non-member · FDIC · 8 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
59
Asset Quality
54
Profitability
17
Liquidity
73
Efficiency
4
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.
Charles City, IA · Cert 1852 · Cedar Valley Bankshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
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 | 0.23% | 0.27% | 0.11% | 0.44% | 0.42% | 0.48% | 0.36% | 0.45% | +1 bps | |
| Return on Equity | 2.83% | 3.25% | 1.34% | 5.00% | 4.66% | 5.14% | 3.66% | 4.42% | -57 bps | |
| Net Interest Margin | 2.70% | 2.77% | 2.94% | 3.03% | 3.11% | 3.12% | 3.24% | 3.31% | +28 bps | |
| Efficiency Ratio | 98.40% | 95.80% | 95.73% | 89.84% | 89.15% | 87.32% | 87.99% | 84.12% | -572 bps | |
| Non-Interest Burden | 2.62% | 2.60% | 2.75% | 2.62% | 2.67% | 2.61% | 2.74% | 2.65% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -4.51% | 0.72% | -0.66% | -2.47% | 0.69% | -3.98% | -2.03% | -137 bps | |
| Loan Growth (YoY) | -5.42% | -3.78% | 1.09% | -1.05% | -0.13% | -1.49% | -3.96% | -1.45% | -40 bps | |
| Deposit Growth (YoY) | -3.57% | -4.25% | 0.26% | -1.31% | -3.48% | -1.55% | -6.60% | -4.03% | -272 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.13% | 0.21% | 0.11% | 0.16% | 0.18% | 0.18% | 0.27% | +16 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | -0.03% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.41% | 1.37% | 1.26% | 1.24% | 1.19% | 1.17% | 1.24% | -2 bps | |
| Allowance Coverage of NPLs | 11.5x | 10.5x | 6.4x | 11.4x | 7.9x | 6.5x | 6.5x | 4.5x | -6.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 9.02% | 9.12% | 9.36% | 9.68% | 9.71% | 9.93% | 10.03% | +67 bps | |
| Total Risk-Based Capital | 14.20% | 14.26% | 14.10% | 14.81% | 15.32% | 15.46% | 15.54% | 16.03% | +122 bps | |
| Equity / Assets | 8.82% | 8.58% | 8.57% | 9.37% | 9.86% | 9.92% | 9.99% | 10.40% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.23% | 73.51% | 71.90% | 72.13% | 72.67% | 73.56% | 73.94% | 74.06% | +193 bps | |
| Liquid Assets / Assets | 3.47% | 3.35% | 5.60% | 5.17% | 5.72% | 7.17% | 5.58% | 3.00% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 147.43% | 146.30% | 139.38% | n/a | n/a | |
Charles City, IA · Cert 1852 · Peer group: banks under $1B in assets in IA (n=134-135) · Cedar Valley Bankshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.46%
Rank 128 of 135
Net Interest Margin
3.31%
Rank 80 of 135
Efficiency Ratio
84.12%
Rank 130 of 135
Equity / Assets
10.40%
Rank 83 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.92% | 1.19% | 1.47% | Beats 5% | 128 / 135 | ||
| Return on Equity | 4.38% | 7.99% | 10.26% | 13.14% | Beats 6% | 127 / 135 | ||
| Net Interest Margin | 3.31% | 2.95% | 3.41% | 3.73% | Beats 41% | 80 / 135 | ||
| Efficiency Ratio | 84.12% | 50.61% | 57.35% | 63.29% | Beats 4% | 130 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.03% | 0.51% | 1.26% | Beats 58% | 57 / 134 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 49% | 69 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.85% | 11.23% | 13.31% | 15.45% | Beats 67% | 45 / 135 | ||
| Total Risk-Based Capital Ratio | 16.03% | 11.61% | 14.06% | 16.47% | Beats 70% | 41 / 135 | ||
| Equity / Assets | 10.40% | 9.87% | 11.05% | 13.07% | Beats 39% | 83 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.06% | 68.54% | 81.55% | 91.24% | 34th pctl | 88 / 134 | ||
| Loans / Assets | 64.54% | 57.61% | 68.06% | 76.23% | 42nd pctl | 78 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||