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Cedar Rapids State Bank

Cedar Rapids, NE · Cert 18820 · Cedar Rapids State Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$174.9MAssets
$146.5MLoans
$157.4MDeposits
$16.5MEquity
Loan mix
83%RE $102.6M16%C&I $19.5M2%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $145.7M7%Noninterest $11.7MQ2 2025Q2 2026

NIM

6.33%Q2 ’246.30%Q2 ’256.00%Q2 ’26+30%-1%

Non-interest income vs. expense

2.07%Q2 ’241.99%Q2 ’252.13%Q2 ’26-1%+2%

Executive Summary

  • Earnings: ROA of 0.76%, down 40 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.73% of loans (+127 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.55%, down 39 bps from a year ago.
  • Funding: loans stand at 93.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.76%-40 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-3 bps YoY

Efficiency Ratio (quarter, annualized)

57.60%+263 bps YoY

Tier 1 Leverage Ratio

9.55%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.16%-0.41%1.11%0.76%-40 bps
Return on Equity11.87%11.93%-4.31%11.66%7.98%-388 bps
Net Interest Margin3.41%3.43%3.26%3.32%3.38%-3 bps
Efficiency Ratio54.97%55.84%60.63%57.32%57.60%+263 bps
Non-Interest Burden1.78%1.81%1.87%1.79%1.81%+3 bps
Growth
Asset Growth (YoY)3.49%4.94%5.58%5.80%1.92%-157 bps
Loan Growth (YoY)1.67%3.31%1.66%1.37%-0.61%-229 bps
Deposit Growth (YoY)5.15%-0.15%5.68%6.33%1.85%-330 bps
Asset Quality
Nonperforming Loans / Loans0.46%1.15%0.05%0.48%1.73%+127 bps
Net Charge-Offs / Loans0.00%0.01%2.52%0.00%0.00%0 bps
Allowance / Loans0.80%0.84%0.67%0.73%0.87%+7 bps
Allowance Coverage of NPLs1.7x0.7x13.1x1.5x0.5x-1.2x
Capital
Tier 1 Leverage Ratio9.94%9.80%9.26%9.41%9.55%-39 bps
Total Risk-Based Capital13.62%13.85%13.27%13.79%13.51%-11 bps
Equity / Assets9.67%9.77%9.44%9.53%9.45%-22 bps
Liquidity & Funding
Loans / Deposits95.32%97.64%93.69%90.52%93.02%-231 bps
Liquid Assets / Assets4.45%2.18%2.43%3.82%1.95%-251 bps
CRE / Total Capitaln/a258%272%268%n/an/a