Carroll, IA · Cert 231 · Commercial Ban Corp.
State charter, Fed member · FED · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.37% | 1.30% | 1.60% | 1.66% | +31 bps | |
| Return on Equity | 17.87% | 17.62% | 16.46% | 19.18% | 20.13% | +226 bps | |
| Net Interest Margin | 2.94% | 3.02% | 3.00% | 3.35% | 3.43% | +49 bps | |
| Efficiency Ratio | 46.78% | 44.66% | 48.92% | 39.26% | 40.64% | -614 bps | |
| Non-Interest Burden | 1.18% | 1.14% | 1.28% | 1.14% | 1.23% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.76% | 2.18% | 5.26% | 3.82% | 11.87% | +712 bps | |
| Loan Growth (YoY) | 10.24% | 9.30% | 11.35% | 14.43% | 17.37% | +713 bps | |
| Deposit Growth (YoY) | 1.34% | 0.67% | 3.46% | 2.37% | 14.56% | +1,322 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.32% | 0.26% | 0.35% | 0.99% | +74 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.94% | 0.92% | 0.92% | 0.90% | -1 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.0x | 3.5x | 2.6x | 0.9x | -2.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.38% | 8.71% | 8.72% | 8.64% | 8.44% | +6 bps | |
| Total Risk-Based Capital | 13.30% | 13.24% | 13.34% | 13.07% | 12.66% | -64 bps | |
| Equity / Assets | 8.13% | 8.46% | 8.36% | 8.33% | 8.04% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.85% | 97.77% | 95.24% | 99.27% | 98.21% | +236 bps | |
| Liquid Assets / Assets | 4.38% | 5.44% | 8.00% | 5.58% | 6.91% | +253 bps | |
| CRE / Total Capital | n/a | 211% | 212% | 227% | n/a | n/a | |