Clarinda, IA · Cert 30067
State charter, Fed member · FED · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.17% | -0.38% | 0.58% | 0.93% | 0.86% | 0.77% | 0.76% | 0.68% | -25 bps | |
| Return on Equity | -9.88% | -3.16% | 4.40% | 7.04% | 6.42% | 5.70% | 5.29% | 4.56% | -248 bps | |
| Net Interest Margin | 2.26% | 2.44% | 3.66% | 3.51% | 3.38% | 3.51% | 3.62% | 3.78% | +26 bps | |
| Efficiency Ratio | 103.29% | 83.66% | 73.77% | 78.29% | 77.36% | 76.95% | 75.96% | 72.35% | -594 bps | |
| Non-Interest Burden | 2.34% | 1.91% | 2.63% | 2.69% | 2.56% | 2.64% | 2.68% | 2.64% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.64% | -8.44% | -13.09% | -1.97% | -4.43% | -3.78% | 2.08% | -11.01% | -904 bps | |
| Loan Growth (YoY) | 1.18% | -0.06% | -1.64% | -4.31% | -4.55% | -7.38% | -6.94% | -2.82% | +150 bps | |
| Deposit Growth (YoY) | -0.89% | -3.90% | -8.26% | 2.02% | -7.06% | -1.01% | 2.14% | -14.11% | -1,613 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.63% | 3.00% | 1.83% | 0.49% | 0.49% | 0.49% | 0.49% | 0.47% | -2 bps | |
| Net Charge-Offs / Loans | 1.29% | 1.01% | 0.18% | 0.23% | 0.15% | 0.16% | 0.39% | 0.24% | +1 bps | |
| Allowance / Loans | 1.66% | 1.63% | 1.75% | 1.34% | 1.33% | 1.46% | 1.39% | 1.62% | +28 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 1.0x | 2.7x | 2.7x | 3.0x | 2.8x | 3.4x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 12.95% | 13.66% | 13.85% | 13.82% | 14.34% | 14.61% | 15.19% | +134 bps | |
| Total Risk-Based Capital | 26.10% | 27.03% | 29.01% | 30.24% | 30.86% | 32.41% | 32.82% | 36.23% | +599 bps | |
| Equity / Assets | 11.83% | 12.79% | 13.59% | 13.22% | 13.86% | 14.46% | 14.39% | 15.74% | +251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.07% | 77.30% | 76.55% | 68.07% | 75.05% | 72.32% | 69.75% | 77.02% | +895 bps | |
| Liquid Assets / Assets | 14.86% | 14.08% | 13.33% | 21.45% | 22.21% | 21.57% | 25.20% | 22.08% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 49.95% | 52.88% | 48.75% | n/a | n/a | |