Cedar Rapids, NE · Cert 18820 · Cedar Rapids State Co.
State charter, non-member · FDIC · 3 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 | 0.50% | 0.63% | 1.10% | 1.13% | 1.14% | 0.83% | 1.11% | 0.93% | -20 bps | |
| Return on Equity | 5.86% | 7.24% | 11.35% | 11.61% | 11.71% | 8.59% | 11.66% | 9.81% | -179 bps | |
| Net Interest Margin | 2.58% | 2.67% | 3.25% | 3.32% | 3.27% | 3.21% | 3.32% | 3.37% | +5 bps | |
| Efficiency Ratio | 69.21% | 66.44% | 57.66% | 56.31% | 56.15% | 57.29% | 57.32% | 57.47% | +116 bps | |
| Non-Interest Burden | 1.71% | 1.68% | 1.73% | 1.75% | 1.73% | 1.73% | 1.79% | 1.81% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.38% | 13.42% | 10.34% | 3.49% | 4.94% | 5.58% | 5.80% | 1.92% | -157 bps | |
| Loan Growth (YoY) | 16.90% | 9.71% | 6.47% | 1.67% | 3.31% | 1.66% | 1.37% | -0.61% | -229 bps | |
| Deposit Growth (YoY) | 26.27% | 20.76% | 13.41% | 5.15% | -0.15% | 5.68% | 6.33% | 1.85% | -330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.22% | 0.23% | 0.46% | 1.15% | 0.05% | 0.48% | 1.73% | +127 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 0.63% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.73% | 0.75% | 0.79% | 0.80% | 0.84% | 0.67% | 0.73% | 0.87% | +7 bps | |
| Allowance Coverage of NPLs | 1.3x | 3.4x | 3.5x | 1.7x | 0.7x | 13.1x | 1.5x | 0.5x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.42% | 9.80% | 9.94% | 9.80% | 9.26% | 9.41% | 9.55% | -39 bps | |
| Total Risk-Based Capital | 13.08% | 13.38% | 13.98% | 13.62% | 13.85% | 13.27% | 13.79% | 13.51% | -11 bps | |
| Equity / Assets | 9.05% | 9.53% | 9.90% | 9.67% | 9.77% | 9.44% | 9.53% | 9.45% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.36% | 97.39% | 94.95% | 95.32% | 97.64% | 93.69% | 90.52% | 93.02% | -231 bps | |
| Liquid Assets / Assets | 6.01% | 5.62% | 6.76% | 4.45% | 2.18% | 2.43% | 3.82% | 1.95% | -251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 258% | 272% | 268% | n/a | n/a | |