Sergeant Bluff, IA · Cert 19540 · Pioneer Development Co.
State charter, non-member · FDIC · 4 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
88
Profitability
67
Liquidity
78
Efficiency
87
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.
Sergeant Bluff, IA · Cert 19540 · Pioneer Development Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 5.3% share · #7 of 28 inst. · $0.2B of $4.6B
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 | 0.89% | 0.90% | 1.03% | 1.08% | 1.12% | 1.09% | 1.30% | 1.37% | +28 bps | |
| Return on Equity | 10.48% | 10.51% | 12.00% | 12.69% | 12.68% | 12.12% | 13.51% | 13.77% | +108 bps | |
| Net Interest Margin | 2.85% | 2.84% | 2.89% | 2.86% | 2.95% | 3.05% | 3.39% | 3.57% | +72 bps | |
| Efficiency Ratio | 62.87% | 62.84% | 58.54% | 56.54% | 55.82% | 56.15% | 53.01% | 51.72% | -482 bps | |
| Non-Interest Burden | 1.69% | 1.67% | 1.52% | 1.43% | 1.49% | 1.61% | 1.69% | 1.73% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | -0.55% | 13.65% | 16.93% | 8.44% | 8.60% | 2.93% | -4.38% | -2,131 bps | |
| Loan Growth (YoY) | -1.37% | 0.78% | 2.51% | 3.21% | 2.29% | 4.63% | 4.40% | 7.19% | +398 bps | |
| Deposit Growth (YoY) | 4.25% | -1.31% | 14.09% | 17.68% | 8.21% | 7.99% | 1.66% | -8.48% | -2,616 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 1.29% | 1.29% | 1.33% | 1.36% | 1.35% | 1.36% | 1.38% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 14.8x | 14.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.68% | 9.33% | 9.12% | 9.51% | 9.84% | 9.92% | 10.56% | +144 bps | |
| Total Risk-Based Capital | 9.51% | 9.68% | 9.33% | 9.12% | 9.51% | 9.84% | 9.92% | 10.56% | +144 bps | |
| Equity / Assets | 8.97% | 8.83% | 8.34% | 8.48% | 9.56% | 9.68% | 9.63% | 10.47% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.41% | 82.04% | 75.76% | 73.22% | 77.90% | 79.49% | 77.80% | 85.76% | +1,254 bps | |
| Liquid Assets / Assets | 5.19% | 5.60% | 11.75% | 12.69% | 7.67% | 7.72% | 9.28% | 4.19% | -850 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 295% | 284% | n/a | n/a | |
Sergeant Bluff, IA · Cert 19540 · Peer group: banks under $1B in assets (n=581-629) · Pioneer Development Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.39%
Rank 171 of 629
Net Interest Margin
3.57%
Rank 297 of 629
Efficiency Ratio
51.72%
Rank 82 of 629
Equity / Assets
10.47%
Rank 336 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.60% | 1.01% | 1.45% | Beats 73% | 171 / 629 | ||
| Return on Equity | 13.29% | 5.38% | 9.30% | 13.28% | Beats 75% | 157 / 629 | ||
| Net Interest Margin | 3.57% | 3.03% | 3.54% | 4.05% | Beats 53% | 297 / 629 | ||
| Efficiency Ratio | 51.72% | 58.35% | 67.79% | 79.08% | Beats 87% | 82 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 149 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.56% | 11.24% | 13.84% | 18.77% | Beats 16% | 526 / 629 | ||
| Total Risk-Based Capital Ratio | 10.56% | 11.58% | 14.43% | 19.66% | Beats 14% | 538 / 629 | ||
| Equity / Assets | 10.47% | 9.09% | 10.65% | 13.80% | Beats 47% | 336 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.76% | 67.24% | 80.90% | 93.48% | 60th pctl | 239 / 594 | ||
| Loans / Assets | 73.70% | 53.31% | 67.71% | 78.15% | 63rd pctl | 235 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||