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
Unfavorable gap of $1.5M · efficiency ratio beats 46% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.92% | 1.19% | 1.47% | Beats 42% | 78 / 135 | |
| Return on Equity | 8.30% | 7.99% | 10.26% | 13.14% | Beats 31% | 93 / 135 | |
| Net Interest Margin | 2.94% | 2.95% | 3.41% | 3.73% | Beats 23% | 104 / 135 | |
| Efficiency Ratio | 58.12% | 50.61% | 57.35% | 63.29% | Beats 46% | 74 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 81% | 27 / 134 | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.03% | Beats 10% | 122 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 14.11% | 11.23% | 13.31% | 15.45% | Beats 59% | 56 / 135 | |
| Total Risk-Based Capital Ratio | 14.11% | 11.61% | 14.06% | 16.47% | Beats 51% | 66 / 135 | |
| Equity / Assets | 13.77% | 9.87% | 11.05% | 13.07% | Beats 79% | 29 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 81.31% | 68.54% | 81.55% | 91.24% | 49th pctl | 68 / 134 | |
| Loans / Assets | 64.18% | 57.61% | 68.06% | 76.23% | 39th pctl | 82 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |