Atlantic, IA · Cert 254 · Whitney Corp. of Iowa
State charter, non-member · FDIC · 2 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.13% | 1.12% | 1.20% | 1.32% | +23 bps | |
| Return on Equity | 12.27% | 12.17% | 11.69% | 11.91% | 12.77% | +50 bps | |
| Net Interest Margin | 2.38% | 2.42% | 2.51% | 2.67% | 2.78% | +41 bps | |
| Efficiency Ratio | 45.93% | 44.69% | 46.81% | 45.68% | 42.59% | -333 bps | |
| Non-Interest Burden | 1.01% | 1.00% | 1.09% | 1.13% | 1.09% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.72% | 2.74% | 5.65% | 2.63% | -0.95% | -968 bps | |
| Loan Growth (YoY) | -0.75% | -1.26% | 8.34% | 11.21% | 5.17% | +592 bps | |
| Deposit Growth (YoY) | 5.92% | 3.30% | -3.29% | 0.49% | 0.48% | -544 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.07% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.30% | 0.30% | 0.26% | 0.27% | 0.28% | -1 bps | |
| Allowance Coverage of NPLs | n/a | 56.6x | 3.7x | 34.8x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.72% | 12.13% | 10.92% | 11.53% | +11 bps | |
| Total Risk-Based Capital | 14.47% | 14.59% | 13.89% | 13.45% | 14.60% | +13 bps | |
| Equity / Assets | 9.55% | 10.52% | 10.66% | 9.56% | 10.76% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.89% | 59.69% | 69.82% | 62.98% | 62.68% | +279 bps | |
| Liquid Assets / Assets | 6.33% | 4.18% | 0.22% | 2.62% | 1.96% | -437 bps | |
| CRE / Total Capital | n/a | 59.48% | 65.09% | 67.26% | n/a | n/a | |