Montezuma, IA · Cert 1860 · Chief Iowa Investment Corp.
State charter, non-member · FDIC · 1 branch
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 | 1.56% | 1.69% | 2.58% | 2.11% | 1.85% | 1.89% | 1.63% | 1.75% | -36 bps | |
| Return on Equity | 12.56% | 13.36% | 19.12% | 15.51% | 13.41% | 13.54% | 11.35% | 12.08% | -343 bps | |
| Net Interest Margin | 3.62% | 3.71% | 3.25% | 3.41% | 3.32% | 3.45% | 3.61% | 3.71% | +30 bps | |
| Efficiency Ratio | 43.84% | 41.94% | 36.12% | 40.34% | 43.77% | 43.44% | 46.21% | 44.20% | +386 bps | |
| Non-Interest Burden | 1.40% | 1.35% | -0.05% | 0.69% | 0.94% | 1.06% | 1.47% | 1.44% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.82% | -0.53% | -6.09% | 1.47% | -0.48% | 2.79% | 3.55% | 0.78% | -70 bps | |
| Loan Growth (YoY) | -5.46% | 0.04% | 3.26% | 1.22% | 3.71% | 1.88% | -1.86% | 3.69% | +247 bps | |
| Deposit Growth (YoY) | -6.10% | -1.49% | -8.15% | 0.05% | -2.13% | 1.54% | 3.10% | -0.49% | -53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.64% | 3.45% | 3.17% | 4.33% | 3.37% | 5.39% | 6.04% | 6.94% | +261 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.29% | 0.15% | 0.10% | 0.12% | -0.02% | -0.03% | -19 bps | |
| Allowance / Loans | 2.34% | 2.21% | 2.16% | 2.24% | 2.18% | 2.05% | 2.20% | 2.17% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.5x | 0.6x | 0.4x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.27% | 13.97% | 13.89% | 14.31% | 14.63% | 14.47% | 14.34% | 14.87% | +56 bps | |
| Total Risk-Based Capital | 13.27% | 13.97% | 13.89% | 14.31% | 14.63% | 14.47% | 14.34% | 14.87% | +56 bps | |
| Equity / Assets | 12.83% | 13.64% | 13.38% | 13.80% | 14.37% | 14.78% | 13.88% | 14.75% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.75% | 52.42% | 49.87% | 47.90% | 49.54% | 52.60% | 47.47% | 49.91% | +201 bps | |
| Liquid Assets / Assets | 35.44% | 29.16% | 30.26% | 32.88% | 34.10% | 30.66% | 34.46% | 34.69% | +180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 72.80% | 73.62% | 81.72% | n/a | n/a | |