Des Moines, IA · Cert 34507
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
80
Profitability
60
Liquidity
0
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Des Moines, IA · Cert 34507
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 24.4% share · #1 of 57 inst. · $9.3B of $38.0B
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 | 1.21% | 1.42% | 1.08% | 1.06% | 1.11% | 1.24% | 1.71% | 1.68% | +63 bps | |
| Return on Equity | 25.55% | 30.58% | 23.66% | 22.68% | 23.21% | 25.47% | 33.27% | 33.04% | +1,036 bps | |
| Net Interest Margin | 2.24% | 2.20% | 2.32% | 2.26% | 2.18% | 2.22% | 2.32% | 2.28% | +1 bps | |
| Efficiency Ratio | 48.94% | 45.28% | 53.04% | 52.15% | 50.43% | 47.85% | 38.30% | 37.98% | -1,417 bps | |
| Non-Interest Burden | 0.66% | 0.40% | 1.01% | 0.92% | 0.78% | 0.67% | 0.17% | 0.14% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 7.14% | 3.61% | 3.16% | 3.43% | 6.13% | 10.56% | 9.74% | +658 bps | |
| Loan Growth (YoY) | -2.18% | 1.23% | 10.28% | 13.29% | 12.58% | 18.50% | 10.74% | 13.51% | +23 bps | |
| Deposit Growth (YoY) | 8.41% | 7.51% | 3.99% | 2.14% | 3.47% | 5.36% | 10.23% | 10.50% | +836 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.43% | 0.37% | 0.43% | 0.44% | 0.47% | 0.41% | 0.44% | +1 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.58% | -0.36% | -0.23% | -0.16% | 0.00% | 0.00% | +36 bps | |
| Allowance / Loans | 0.27% | 0.22% | 0.28% | 0.35% | 0.39% | 0.29% | 0.23% | 0.25% | -10 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.8x | 0.8x | 0.9x | 0.6x | 0.5x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.69% | 7.41% | 7.40% | 7.27% | 7.09% | 7.22% | 7.22% | 7.13% | -14 bps | |
| Total Risk-Based Capital | 17.39% | 16.32% | 16.32% | 16.31% | 15.99% | 15.65% | 15.38% | 15.07% | -124 bps | |
| Equity / Assets | 5.09% | 4.35% | 4.80% | 4.86% | 5.11% | 5.26% | 5.03% | 5.02% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.58% | 28.89% | 31.62% | 31.47% | 31.09% | 32.49% | 31.76% | 32.32% | +86 bps | |
| Liquid Assets / Assets | 6.28% | 6.17% | 3.99% | 4.43% | 3.75% | 4.05% | 4.32% | 3.26% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Des Moines, IA · Cert 34507 · Peer group: banks $1B-$10B in assets (n=322-328)
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
1.64%
Rank 67 of 328
Net Interest Margin
2.28%
Rank 319 of 328
Efficiency Ratio
37.98%
Rank 15 of 328
Equity / Assets
5.02%
Rank 327 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.91% | 1.22% | 1.52% | Beats 80% | 67 / 328 | ||
| Return on Equity | 32.72% | 8.43% | 11.45% | 14.43% | Beats 98% | 7 / 328 | ||
| Net Interest Margin | 2.28% | 3.03% | 3.45% | 3.83% | Beats 3% | 319 / 328 | ||
| Efficiency Ratio | 37.98% | 51.61% | 59.56% | 67.53% | Beats 96% | 15 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.51% | 1.03% | Beats 59% | 134 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.91% | 11.75% | 13.15% | 15.47% | Beats 70% | 98 / 328 | ||
| Total Risk-Based Capital Ratio | 15.07% | 12.63% | 14.15% | 16.46% | Beats 63% | 123 / 328 | ||
| Equity / Assets | 5.02% | 9.15% | 10.33% | 12.01% | Beats 0% | 327 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.32% | 76.63% | 87.92% | 95.36% | 2nd pctl | 317 / 323 | ||
| Loans / Assets | 30.42% | 65.18% | 74.15% | 79.98% | 3rd pctl | 317 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||