Mapleton, IA · Cert 251 · Beulah Bcorp Inc.
State charter, non-member · FDIC · 2 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 under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
100
Profitability
42
Liquidity
22
Efficiency
19
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.
Mapleton, IA · Cert 251 · Beulah Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (4 in holding)
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.4% share · #25 of 28 inst. · $0.0B of $4.6B
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 | 0.57% | -0.07% | 0.58% | 0.50% | 0.68% | 0.25% | 1.12% | 1.06% | +56 bps | |
| Return on Equity | 4.50% | -0.51% | 4.04% | 3.41% | 4.52% | 1.65% | 7.35% | 6.87% | +346 bps | |
| Net Interest Margin | 3.12% | 3.45% | 2.39% | 3.06% | 3.40% | 3.47% | 3.62% | 3.70% | +64 bps | |
| Efficiency Ratio | 66.02% | 69.10% | 77.68% | 68.95% | 67.99% | 69.79% | 65.38% | 66.99% | -196 bps | |
| Non-Interest Burden | 1.83% | 2.14% | 1.57% | 1.83% | 2.00% | 2.13% | 2.08% | 2.22% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -13.75% | -12.23% | -8.92% | -9.05% | -1.34% | -0.16% | -2.74% | +618 bps | |
| Loan Growth (YoY) | 0.99% | -4.65% | -10.14% | -11.40% | -11.26% | -6.34% | -2.27% | -6.05% | +535 bps | |
| Deposit Growth (YoY) | -11.96% | -12.77% | -14.64% | -12.12% | -7.77% | -2.68% | -0.63% | -3.44% | +869 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.29% | 1.43% | 1.47% | 1.47% | 1.34% | 1.42% | 1.56% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.32% | 13.05% | 12.74% | 12.21% | 13.50% | 12.34% | 11.80% | 12.25% | +4 bps | |
| Total Risk-Based Capital | 18.35% | 17.69% | 19.67% | 19.82% | 20.41% | 17.81% | 19.07% | 20.13% | +32 bps | |
| Equity / Assets | 14.41% | 14.33% | 14.26% | 15.00% | 16.44% | 15.66% | 14.81% | 15.79% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.22% | 74.27% | 63.52% | 61.37% | 68.53% | 71.47% | 62.47% | 59.71% | -166 bps | |
| Liquid Assets / Assets | 1.96% | 1.57% | 13.99% | 17.40% | 9.83% | 12.10% | 19.93% | 15.38% | -202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.34% | 46.57% | 42.50% | n/a | n/a | |
Mapleton, IA · Cert 251 · Peer group: banks under $1B in assets in IA (n=134-135) · Beulah Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (4 in holding)
Q2 2026
Return on Assets
1.06%
Rank 83 of 135
Net Interest Margin
3.70%
Rank 37 of 135
Efficiency Ratio
66.99%
Rank 110 of 135
Equity / Assets
15.79%
Rank 16 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.92% | 1.19% | 1.47% | Beats 39% | 83 / 135 | ||
| Return on Equity | 6.72% | 7.99% | 10.26% | 13.14% | Beats 15% | 115 / 135 | ||
| Net Interest Margin | 3.70% | 2.95% | 3.41% | 3.73% | Beats 73% | 37 / 135 | ||
| Efficiency Ratio | 66.99% | 50.61% | 57.35% | 63.29% | Beats 19% | 110 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.88% | 11.23% | 13.31% | 15.45% | Beats 87% | 17 / 135 | ||
| Total Risk-Based Capital Ratio | 20.13% | 11.61% | 14.06% | 16.47% | Beats 87% | 17 / 135 | ||
| Equity / Assets | 15.79% | 9.87% | 11.05% | 13.07% | Beats 88% | 16 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.71% | 68.54% | 81.55% | 91.24% | 13th pctl | 116 / 134 | ||
| Loans / Assets | 50.06% | 57.61% | 68.06% | 76.23% | 16th pctl | 114 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||