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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.73% | 0.91% | 1.04% | 1.01% | 1.00% | 1.12% | 1.34% | +30 bps | |
| Return on Equity | 8.49% | 7.27% | 9.01% | 10.20% | 9.92% | 9.67% | 10.54% | 12.33% | +213 bps | |
| Net Interest Margin | 2.58% | 2.59% | 2.72% | 2.94% | 3.10% | 2.99% | 3.20% | 3.54% | +60 bps | |
| Efficiency Ratio | 55.22% | 52.55% | 53.70% | 47.42% | 46.89% | 44.05% | 46.00% | 44.28% | -314 bps | |
| Non-Interest Burden | 1.17% | 1.05% | 1.19% | 1.05% | 1.10% | 0.93% | 1.06% | 1.14% | +8 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 | 0.39% | 0.78% | -0.01% | 0.02% | 1.33% | 1.22% | 0.07% | 0.05% | +3 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 | |