Osceola, IA · Cert 26944 · Osceola Bcorp
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #47 of 57 inst. · $0.0B of $38.0B
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 | 1.67% | 1.45% | 1.50% | 1.84% | 1.66% | 1.76% | 1.74% | 1.83% | -1 bps | |
| Return on Equity | 19.06% | 16.15% | 16.85% | 20.30% | 17.33% | 17.79% | 17.60% | 18.54% | -176 bps | |
| Net Interest Margin | 3.73% | 3.59% | 3.66% | 3.95% | 3.88% | 3.82% | 3.81% | 3.96% | +1 bps | |
| Efficiency Ratio | 51.29% | 56.13% | 54.25% | 48.49% | 53.43% | 49.96% | 49.72% | 48.96% | +47 bps | |
| Non-Interest Burden | 1.56% | 1.73% | 1.68% | 1.55% | 1.71% | 1.54% | 1.53% | 1.58% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.46% | 2.61% | 4.71% | 4.06% | 2.93% | 7.56% | 6.96% | 9.28% | +522 bps | |
| Loan Growth (YoY) | 9.17% | 7.80% | 8.40% | 5.69% | 2.07% | 4.12% | 4.16% | 5.25% | -44 bps | |
| Deposit Growth (YoY) | -1.81% | 1.13% | 6.30% | 7.60% | 9.72% | 8.15% | 5.23% | 8.99% | +139 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.10% | 0.12% | 0.10% | 0.08% | 0.18% | 0.02% | 0.04% | -6 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.00% | 0.00% | 0.00% | 0.07% | 0.01% | 0.04% | +4 bps | |
| Allowance / Loans | 1.12% | 1.14% | 1.16% | 1.17% | 1.19% | 1.17% | 1.19% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | 10.2x | 11.0x | 9.5x | 12.0x | 15.6x | 6.4x | 65.7x | 31.8x | +19.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 10.75% | 11.08% | 11.03% | 11.22% | 11.16% | 11.29% | 11.11% | +8 bps | |
| Total Risk-Based Capital | 10.77% | 10.75% | 11.08% | 11.03% | 11.22% | 11.16% | 11.29% | 11.11% | +8 bps | |
| Equity / Assets | 9.07% | 8.86% | 8.89% | 9.27% | 9.86% | 9.94% | 9.79% | 9.95% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.62% | 92.28% | 88.98% | 91.22% | 90.82% | 88.85% | 88.07% | 88.09% | -313 bps | |
| Liquid Assets / Assets | 0.64% | 0.72% | 2.38% | 0.41% | 2.44% | 2.72% | 4.31% | 3.86% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.42% | 116.31% | 117.60% | n/a | n/a | |