Carroll, IA · Cert 231 · Commercial Ban Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
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 | 0.87% | 0.72% | 1.12% | 1.58% | 1.43% | 1.10% | 1.60% | 1.73% | +15 bps | |
| Return on Equity | 13.48% | 10.54% | 15.36% | 20.21% | 17.18% | 13.10% | 19.18% | 21.15% | +94 bps | |
| Net Interest Margin | 2.42% | 2.60% | 2.78% | 3.10% | 3.16% | 3.27% | 3.35% | 3.60% | +50 bps | |
| Efficiency Ratio | 53.46% | 66.74% | 50.88% | 43.33% | 40.74% | 60.50% | 39.26% | 41.92% | -142 bps | |
| Non-Interest Burden | 1.19% | 1.66% | 1.30% | 1.07% | 1.03% | 1.84% | 1.14% | 1.36% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.08% | 10.23% | 9.62% | 4.76% | 2.18% | 5.26% | 3.82% | 11.87% | +712 bps | |
| Loan Growth (YoY) | 16.48% | 14.27% | 12.49% | 10.24% | 9.30% | 11.35% | 14.43% | 17.37% | +713 bps | |
| Deposit Growth (YoY) | 6.89% | 8.01% | 8.58% | 1.34% | 0.67% | 3.46% | 2.37% | 14.56% | +1,322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.55% | 0.21% | 0.25% | 0.32% | 0.26% | 0.35% | 0.99% | +74 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.92% | 0.91% | 0.92% | 0.92% | 0.94% | 0.92% | 0.92% | 0.90% | -1 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.6x | 4.3x | 3.6x | 3.0x | 3.5x | 2.6x | 0.9x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.41% | 7.84% | 8.13% | 8.38% | 8.71% | 8.72% | 8.64% | 8.44% | +6 bps | |
| Total Risk-Based Capital | 11.68% | 12.53% | 13.28% | 13.30% | 13.24% | 13.34% | 13.07% | 12.66% | -64 bps | |
| Equity / Assets | 6.63% | 7.04% | 7.49% | 8.13% | 8.46% | 8.36% | 8.33% | 8.04% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.05% | 88.50% | 88.80% | 95.85% | 97.77% | 95.24% | 99.27% | 98.21% | +236 bps | |
| Liquid Assets / Assets | 5.83% | 7.15% | 7.15% | 4.38% | 5.44% | 8.00% | 5.58% | 6.91% | +253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 212% | 227% | n/a | n/a | |