Trubank
Indianola, IA · Cert 25267 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Community Bancshares Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$494.6MAssets
$289.0MLoans
$366.1MDeposits
$46.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 7 of 18).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 19 of 19).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.07%
Rank 13 of 19
Net Interest Margin
3.35%
Rank 14 of 19
Efficiency Ratio
57.82%
Rank 10 of 19
Equity / Assets
9.39%
Rank 13 of 19
Non-interest income vs. expense
Unfavorable gap of $9.0M · efficiency ratio beats 53% of banks under $1B in assets in the Des Moines-West Des Moines, IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 1.05% | 1.15% | 1.42% | Beats 32% | 13 / 19 | |
| Return on Equity | 11.45% | 10.97% | 12.15% | 13.79% | Beats 32% | 13 / 19 | |
| Net Interest Margin | 3.35% | 3.08% | 3.50% | 3.67% | Beats 26% | 14 / 19 | |
| Efficiency Ratio | 57.82% | 52.38% | 57.82% | 63.73% | Beats 53% | 10 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | n/a | 0.21% | 0.91% | Beats 11% | 17 / 18 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | Beats 67% | 7 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 9.23% | 10.79% | 12.38% | 16.13% | Beats 0% | 19 / 19 | |
| Total Risk-Based Capital Ratio | 9.23% | 11.60% | 13.40% | 17.04% | Beats 0% | 19 / 19 | |
| Equity / Assets | 9.39% | 8.64% | 9.66% | 11.07% | Beats 32% | 13 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 78.93% | 65.91% | 76.09% | 88.00% | 53rd pctl | 9 / 19 | |
| Loans / Assets | 58.43% | 57.37% | 63.36% | 76.16% | 32nd pctl | 13 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |