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 (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 | 1.11% | 2.04% | 1.08% | 1.04% | 1.21% | 1.64% | 1.71% | 1.66% | +62 bps | |
| Return on Equity | 22.96% | 43.35% | 23.66% | 21.61% | 24.21% | 31.61% | 33.27% | 33.03% | +1,141 bps | |
| Net Interest Margin | 2.43% | 2.17% | 2.32% | 2.22% | 2.12% | 2.33% | 2.32% | 2.31% | +9 bps | |
| Efficiency Ratio | 52.91% | 36.92% | 53.04% | 51.28% | 47.27% | 41.40% | 38.30% | 37.67% | -1,361 bps | |
| Non-Interest Burden | 1.08% | -0.36% | 1.01% | 0.84% | 0.54% | 0.35% | 0.17% | 0.12% | -72 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 | -0.05% | -0.03% | -0.58% | -0.14% | 0.03% | -0.02% | 0.00% | 0.00% | +14 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 | |