Marshalltown, IA · Cert 252 · Iowa River Bcorp Inc.
State charter, Fed member · FED · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.08% | 1.27% | 1.36% | 1.50% | 1.51% | 1.63% | 1.72% | +37 bps | |
| Return on Equity | 11.10% | 8.48% | 10.63% | 11.28% | 12.39% | 12.28% | 12.71% | 13.34% | +207 bps | |
| Net Interest Margin | 3.26% | 3.08% | 3.02% | 3.13% | 3.30% | 3.21% | 3.37% | 3.44% | +31 bps | |
| Efficiency Ratio | 47.48% | 50.58% | 52.74% | 51.24% | 47.95% | 47.94% | 45.01% | 43.40% | -784 bps | |
| Non-Interest Burden | 1.21% | 1.23% | 1.30% | 1.28% | 1.23% | 1.20% | 1.14% | 1.09% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -5.11% | -0.39% | 0.56% | 4.70% | 5.20% | 3.09% | 8.59% | +803 bps | |
| Loan Growth (YoY) | 2.88% | -5.48% | -5.60% | -0.98% | -0.53% | 1.91% | 1.63% | 0.21% | +119 bps | |
| Deposit Growth (YoY) | -1.63% | -6.14% | -0.20% | 1.89% | 7.01% | 6.91% | 3.69% | 3.73% | +184 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 0.21% | 2.23% | 2.17% | 2.04% | 2.05% | 1.98% | 0.75% | -142 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.64% | 0.03% | 0.01% | 0.05% | 0.04% | 0.38% | 0.23% | +23 bps | |
| Allowance / Loans | 1.16% | 0.99% | 1.00% | 1.03% | 1.02% | 1.06% | 0.99% | 1.03% | 0 bps | |
| Allowance Coverage of NPLs | 0.8x | 4.6x | 0.4x | 0.5x | 0.5x | 0.5x | 0.5x | 1.4x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.69% | 13.93% | 14.06% | 14.33% | 14.66% | 13.99% | 14.68% | 14.66% | +33 bps | |
| Total Risk-Based Capital | 17.10% | 17.55% | 17.43% | 17.91% | 17.97% | 18.15% | 18.91% | 19.17% | +126 bps | |
| Equity / Assets | 12.38% | 12.09% | 11.90% | 12.13% | 12.43% | 12.89% | 12.80% | 13.07% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.25% | 84.21% | 80.27% | 81.07% | 77.39% | 80.27% | 78.68% | 78.32% | -275 bps | |
| Liquid Assets / Assets | 4.12% | 2.51% | 5.03% | 3.38% | 7.97% | 3.31% | 6.51% | 2.94% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 335% | 334% | n/a | n/a | |