Sioux Center, IA · Cert 228 · Ambank Co. Inc.
State charter, non-member · FDIC · 11 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
33
Profitability
42
Liquidity
0
Efficiency
91
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.
Sioux Center, IA · Cert 228 · Ambank Co. Inc.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #33 of 42 inst. · $0.1B of $1127.8B
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 | 0.94% | 0.89% | 0.91% | 0.97% | 0.99% | 0.99% | 1.12% | 1.22% | +25 bps | |
| Return on Equity | 9.43% | 8.90% | 9.01% | 9.61% | 9.70% | 9.71% | 10.54% | 11.42% | +181 bps | |
| Net Interest Margin | 2.50% | 2.48% | 2.72% | 2.83% | 2.89% | 2.88% | 3.20% | 3.38% | +55 bps | |
| Efficiency Ratio | 55.56% | 54.77% | 53.70% | 50.43% | 49.17% | 47.83% | 46.00% | 45.11% | -532 bps | |
| Non-Interest Burden | 1.12% | 1.09% | 1.19% | 1.12% | 1.10% | 1.05% | 1.06% | 1.10% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.43% | 9.00% | 4.15% | 3.12% | 1.92% | 1.90% | 0.27% | -2.72% | -584 bps | |
| Loan Growth (YoY) | 13.84% | 9.22% | 6.93% | 4.52% | 4.90% | 2.98% | 1.84% | -1.21% | -573 bps | |
| Deposit Growth (YoY) | 7.76% | 7.80% | 6.01% | 10.24% | 1.69% | 4.67% | 3.87% | -1.85% | -1,209 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.53% | 1.74% | 2.04% | 1.80% | 1.47% | 0.90% | 0.95% | 0.65% | -115 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.30% | -0.01% | 0.00% | 0.45% | 0.64% | 0.07% | 0.06% | +6 bps | |
| Allowance / Loans | 1.05% | 1.02% | 1.10% | 1.22% | 1.08% | 1.00% | 1.17% | 1.35% | +13 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.5x | 0.7x | 0.7x | 1.1x | 1.2x | 2.1x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 9.94% | 10.08% | 10.08% | 10.13% | 10.24% | 10.63% | 10.81% | +73 bps | |
| Total Risk-Based Capital | 12.17% | 12.19% | 12.28% | 12.21% | 12.29% | 12.67% | 12.96% | 13.03% | +82 bps | |
| Equity / Assets | 10.05% | 9.96% | 10.29% | 10.10% | 10.32% | 10.41% | 10.76% | 11.00% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.44% | 105.96% | 111.56% | 110.48% | 112.89% | 104.25% | 109.38% | 111.20% | +72 bps | |
| Liquid Assets / Assets | 4.03% | 4.17% | 2.31% | 2.15% | 2.62% | 4.84% | 2.06% | 1.80% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 247% | 232% | n/a | n/a | |
Sioux Center, IA · Cert 228 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ambank Co. Inc.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)
Q2 2026
Return on Assets
1.25%
Rank 90 of 176
Net Interest Margin
3.38%
Rank 116 of 176
Efficiency Ratio
45.11%
Rank 16 of 176
Equity / Assets
11.00%
Rank 69 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.93% | 1.26% | 1.54% | Beats 49% | 90 / 176 | ||
| Return on Equity | 11.32% | 9.26% | 11.89% | 14.46% | Beats 44% | 99 / 176 | ||
| Net Interest Margin | 3.38% | 3.25% | 3.59% | 3.93% | Beats 34% | 116 / 176 | ||
| Efficiency Ratio | 45.11% | 52.79% | 59.55% | 67.66% | Beats 91% | 16 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.30% | 0.64% | 1.32% | Beats 49% | 90 / 176 | ||
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.04% | 0.10% | Beats 17% | 147 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.78% | 11.15% | 12.72% | 14.15% | Beats 36% | 112 / 176 | ||
| Total Risk-Based Capital Ratio | 13.03% | 11.81% | 13.63% | 15.33% | Beats 41% | 104 / 176 | ||
| Equity / Assets | 11.00% | 9.16% | 10.35% | 11.80% | Beats 61% | 69 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.20% | 80.94% | 89.73% | 97.21% | 98th pctl | 3 / 176 | ||
| Loans / Assets | 93.56% | 69.25% | 75.12% | 80.82% | 99th pctl | 1 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||