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 | |