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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.70% | 1.15% | 1.30% | 1.41% | 0.74% | 1.39% | 1.42% | +11 bps | |
| Return on Equity | 11.75% | 7.90% | 13.46% | 14.70% | 15.51% | 8.13% | 15.40% | 15.51% | +81 bps | |
| Net Interest Margin | 2.81% | 2.89% | 2.92% | 3.14% | 3.12% | 3.10% | 3.17% | 3.31% | +17 bps | |
| Efficiency Ratio | 59.84% | 74.01% | 55.98% | 53.76% | 51.59% | 74.61% | 52.60% | 52.36% | -140 bps | |
| Non-Interest Burden | 1.44% | 1.97% | 1.37% | 1.41% | 1.27% | 2.15% | 1.32% | 1.45% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | 4.61% | 7.26% | 4.54% | 8.96% | 4.28% | 6.30% | 6.57% | +202 bps | |
| Loan Growth (YoY) | 5.96% | 6.31% | 7.21% | 6.90% | 3.55% | 4.07% | 3.54% | 4.34% | -255 bps | |
| Deposit Growth (YoY) | 2.20% | 5.16% | 7.44% | 7.04% | 9.34% | 5.29% | 6.23% | 6.64% | -39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.16% | 0.15% | 0.02% | 0.04% | 0.18% | 0.20% | 0.04% | +2 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.06% | 0.04% | -0.03% | -0.11% | 0.01% | 0.02% | -0.07% | -4 bps | |
| Allowance / Loans | 1.44% | 1.36% | 1.35% | 1.39% | 1.45% | 1.37% | 1.37% | 1.40% | +2 bps | |
| Allowance Coverage of NPLs | 13.3x | 8.5x | 9.0x | 81.4x | 35.4x | 7.6x | 6.9x | 38.4x | -43.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.15% | 8.94% | 8.84% | 8.99% | 9.17% | 8.98% | 9.07% | 9.18% | +19 bps | |
| Total Risk-Based Capital | 11.17% | 10.70% | 10.79% | 11.14% | 11.48% | 11.02% | 11.10% | 11.38% | +24 bps | |
| Equity / Assets | 9.08% | 8.54% | 8.61% | 9.09% | 9.10% | 9.15% | 8.93% | 9.32% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.44% | 97.01% | 94.61% | 96.27% | 91.33% | 95.89% | 92.21% | 94.20% | -208 bps | |
| Liquid Assets / Assets | 0.52% | 0.39% | 0.38% | 0.35% | 0.34% | 0.40% | 0.35% | 0.36% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 248% | 241% | n/a | n/a | |