Sutherland, IA · Cert 235 · Old O Brien Banc Shares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 0.1% share · #23 of 23 inst. · $0.0B of $4.7B
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 | 1.98% | 2.02% | 2.05% | 2.13% | 2.14% | +16 bps | |
| Return on Equity | 19.77% | 19.76% | 19.91% | 19.80% | 19.71% | -5 bps | |
| Net Interest Margin | 3.70% | 3.77% | 3.75% | 4.01% | 4.00% | +31 bps | |
| Efficiency Ratio | 29.41% | 28.62% | 28.32% | 28.64% | 28.16% | -125 bps | |
| Non-Interest Burden | 1.03% | 1.02% | 0.99% | 1.09% | 1.07% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.83% | 9.92% | 10.90% | 6.14% | 7.66% | -617 bps | |
| Loan Growth (YoY) | 15.29% | 9.43% | 10.72% | 6.60% | 6.50% | -879 bps | |
| Deposit Growth (YoY) | 5.95% | 7.35% | 9.32% | 8.07% | 9.61% | +366 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.34% | 0.39% | 0.27% | 0.23% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.13% | 1.06% | 1.10% | 1.15% | +11 bps | |
| Allowance Coverage of NPLs | 4.3x | 3.3x | 2.7x | 4.1x | 5.0x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.31% | 10.75% | 10.98% | 10.85% | 11.13% | +82 bps | |
| Total Risk-Based Capital | 10.31% | 10.75% | 10.98% | 10.85% | 11.13% | +82 bps | |
| Equity / Assets | 10.27% | 10.73% | 10.72% | 10.80% | 11.08% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 137.45% | 137.86% | 132.28% | 131.75% | 133.56% | -390 bps | |
| Liquid Assets / Assets | 0.23% | 0.22% | 0.22% | 0.22% | 0.18% | -6 bps | |
| CRE / Total Capital | n/a | 45.44% | 44.09% | 39.57% | n/a | n/a | |