Iowa Falls, IA · Cert 26760 · Green Belt Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 1.6% share · #16 of 23 inst. · $0.1B 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 | 1.23% | 1.29% | 1.15% | 1.39% | 1.41% | +18 bps | |
| Return on Equity | 14.08% | 14.57% | 12.95% | 15.40% | 15.44% | +136 bps | |
| Net Interest Margin | 3.02% | 3.03% | 2.99% | 3.17% | 3.22% | +20 bps | |
| Efficiency Ratio | 54.84% | 53.70% | 59.09% | 52.60% | 52.48% | -236 bps | |
| Non-Interest Burden | 1.39% | 1.34% | 1.52% | 1.32% | 1.38% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.54% | 8.96% | 4.28% | 6.30% | 6.57% | +202 bps | |
| Loan Growth (YoY) | 6.90% | 3.55% | 4.07% | 3.54% | 4.34% | -255 bps | |
| Deposit Growth (YoY) | 7.04% | 9.34% | 5.29% | 6.23% | 6.64% | -39 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.04% | 0.18% | 0.20% | 0.04% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.03% | -0.02% | 0.02% | -0.02% | -3 bps | |
| Allowance / Loans | 1.39% | 1.45% | 1.37% | 1.37% | 1.40% | +2 bps | |
| Allowance Coverage of NPLs | 81.4x | 35.4x | 7.6x | 6.9x | 38.4x | -43.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.99% | 9.17% | 8.98% | 9.07% | 9.18% | +19 bps | |
| Total Risk-Based Capital | 11.14% | 11.48% | 11.02% | 11.10% | 11.38% | +24 bps | |
| Equity / Assets | 9.09% | 9.10% | 9.15% | 8.93% | 9.32% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.27% | 91.33% | 95.89% | 92.21% | 94.20% | -208 bps | |
| Liquid Assets / Assets | 0.35% | 0.34% | 0.40% | 0.35% | 0.36% | +1 bps | |
| CRE / Total Capital | n/a | 244% | 248% | 241% | n/a | n/a | |