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Community Bank of Oelwein

Oelwein, IA · Cert 34857 · First Belmond Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

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.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Oelwein

Oelwein, IA · Cert 34857 · First Belmond Bcorp

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$95.0MAssets
$61.0MLoans
$75.0MDeposits
$13.1MEquity
Loan mix
78%RE $44.5M18%C&I $10.3M3%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $67.8M10%Noninterest $7.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, up 30 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 14.11%, up 110 bps from a year ago.
  • Funding: loans stand at 81.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+51 bps YoY

Efficiency Ratio (YTD, annualized)

58.12%-534 bps YoY

Tier 1 Leverage Ratio

14.11%+110 bps YoY

NIM

4.48%Q2 ’244.94%Q2 ’255.04%Q2 ’26+22%+21%

Non-interest income vs. expense

1.65%Q2 ’241.65%Q2 ’251.87%Q2 ’260%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.46%0.72%0.79%0.83%0.83%1.09%1.09%+30 bps
Return on Equity4.30%3.95%6.16%6.68%6.90%6.79%8.38%8.24%+156 bps
Net Interest Margin2.05%1.97%2.25%2.43%2.46%2.57%2.76%2.94%+51 bps
Efficiency Ratio75.39%79.38%65.90%63.46%62.73%63.37%58.44%58.12%-534 bps
Non-Interest Burden1.50%1.53%1.43%1.48%1.48%1.57%1.48%1.60%+11 bps
Growth
Asset Growth (YoY)2.33%1.23%2.48%-2.21%-1.25%-3.72%-8.63%-8.94%-673 bps
Loan Growth (YoY)12.99%15.49%8.44%3.34%-2.13%-7.89%-9.96%-13.64%-1,698 bps
Deposit Growth (YoY)0.65%-1.46%2.63%-5.90%-4.75%-6.51%-14.74%-13.18%-728 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.00%0.02%0.00%0.00%0.28%0.07%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.02%0.03%0.16%0.13%0.17%0.09%+6 bps
Allowance / Loans1.01%0.85%0.86%0.86%0.79%0.80%0.78%0.80%-5 bps
Allowance Coverage of NPLs2.9xn/a38.6xn/a266.0x2.8x10.9x163.7xn/a
Capital
Tier 1 Leverage Ratio12.66%12.81%12.30%13.01%12.99%13.15%13.67%14.11%+110 bps
Total Risk-Based Capital18.17%17.89%17.24%13.01%12.99%13.15%13.67%14.11%+110 bps
Equity / Assets11.90%11.91%11.50%12.23%12.50%12.64%13.45%13.77%+154 bps
Liquidity & Funding
Loans / Deposits76.11%80.94%77.18%81.74%78.20%79.75%81.51%81.31%-43 bps
Liquid Assets / Assets6.19%5.31%4.15%4.00%3.35%3.39%2.97%3.42%-58 bps
CRE / Total Capitaln/an/an/an/a188.39%173.41%158.88%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank of Oelwein

Oelwein, IA · Cert 34857 · Peer group: banks under $1B in assets in IA (n=134-135) · First Belmond Bcorp

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$95.0MAssets
$61.0MLoans
$75.0MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of banks under $1B in assets in IA (rank 27 of 134).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in IA (rank 122 of 134).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.14%

Rank 78 of 135

Net Interest Margin

2.94%

Rank 104 of 135

Efficiency Ratio

58.12%

Rank 74 of 135

Equity / Assets

13.77%

Rank 29 of 135

Non-interest income vs. expense

$0.3M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 46% of banks under $1B in assets in IA
Bank 58.12%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.14%0.92%1.19%1.47%Beats 42%78 / 135
Return on Equity8.30%7.99%10.26%13.14%Beats 31%93 / 135
Net Interest Margin2.94%2.95%3.41%3.73%Beats 23%104 / 135
Efficiency Ratio58.12%50.61%57.35%63.29%Beats 46%74 / 135
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.51%1.26%Beats 81%27 / 134
Net Charge-Offs / Loans0.14%n/a0.01%0.03%Beats 10%122 / 134
Capital
Tier 1 Capital Ratio14.11%11.23%13.31%15.45%Beats 59%56 / 135
Total Risk-Based Capital Ratio14.11%11.61%14.06%16.47%Beats 51%66 / 135
Equity / Assets13.77%9.87%11.05%13.07%Beats 79%29 / 135
Liquidity & Funding
Loans / Deposits81.31%68.54%81.55%91.24%49th pctl68 / 134
Loans / Assets64.18%57.61%68.06%76.23%39th pctl82 / 135
Brokered Deposits / Depositsn/aNot reported for this institution