Johnston, IA · Cert 34686 · Johnston Growth Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.5% share · #28 of 57 inst. · $0.2B 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 | 0.91% | 0.51% | 0.93% | 1.24% | 1.31% | 1.33% | 1.44% | 1.42% | +18 bps | |
| Return on Equity | 9.21% | 5.20% | 9.86% | 12.76% | 12.86% | 12.98% | 14.47% | 14.02% | +127 bps | |
| Net Interest Margin | 2.83% | 2.94% | 2.99% | 3.27% | 3.33% | 3.33% | 3.39% | 3.49% | +22 bps | |
| Efficiency Ratio | 62.74% | 78.62% | 60.59% | 53.59% | 52.94% | 53.27% | 49.98% | 49.89% | -370 bps | |
| Non-Interest Burden | 1.65% | 2.23% | 1.69% | 1.60% | 1.59% | 1.62% | 1.51% | 1.54% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | -1.04% | -0.08% | 2.03% | 2.98% | 5.15% | 7.08% | 5.88% | +385 bps | |
| Loan Growth (YoY) | 3.95% | 4.90% | 5.56% | 8.97% | 7.05% | 6.40% | 11.90% | 7.81% | -116 bps | |
| Deposit Growth (YoY) | -0.12% | 2.47% | 2.39% | 4.47% | 6.01% | 7.05% | 8.69% | 8.16% | +369 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.33% | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.14% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.96% | 0.92% | 0.95% | 0.96% | 0.99% | 0.98% | 0.95% | 1.01% | +4 bps | |
| Allowance Coverage of NPLs | n/a | 2.8x | n/a | 370.5x | 117.9x | 57.4x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.56% | 11.02% | 11.12% | 11.10% | 11.30% | 10.97% | 10.83% | 11.03% | -7 bps | |
| Total Risk-Based Capital | 17.53% | 16.32% | 11.12% | 11.10% | 11.30% | 10.97% | 10.83% | 11.03% | -7 bps | |
| Equity / Assets | 10.38% | 9.25% | 9.52% | 9.89% | 10.45% | 9.99% | 9.92% | 10.30% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.52% | 79.85% | 79.88% | 81.92% | 83.34% | 79.37% | 82.24% | 81.65% | -27 bps | |
| Liquid Assets / Assets | 0.24% | 1.42% | 2.12% | 1.98% | 0.00% | 0.00% | 0.00% | 0.00% | -198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 283% | 281% | 280% | n/a | n/a | |