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 | |