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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 $1.9MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $67.8M10%Noninterest $7.2MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.90%Q2 ’254.95%Q2 ’26+26%+18%

Non-interest income vs. expense

1.65%Q2 ’241.65%Q2 ’251.85%Q2 ’26+0%+11%

Executive Summary

  • Earnings: ROA of 1.09%, up 23 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.09%+23 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+47 bps YoY

Efficiency Ratio (quarter, annualized)

57.81%-341 bps YoY

Tier 1 Leverage Ratio

14.11%+110 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.91%0.80%1.09%1.09%+23 bps
Return on Equity7.25%7.39%6.39%8.38%8.04%+80 bps
Net Interest Margin2.53%2.61%2.65%2.76%2.99%+47 bps
Efficiency Ratio61.21%61.39%65.24%58.44%57.81%-341 bps
Non-Interest Burden1.48%1.54%1.68%1.48%1.64%+16 bps
Growth
Asset Growth (YoY)-2.21%-1.25%-3.72%-8.63%-8.94%-673 bps
Loan Growth (YoY)3.34%-2.13%-7.89%-9.96%-13.64%-1,698 bps
Deposit Growth (YoY)-5.90%-4.75%-6.51%-14.74%-13.18%-728 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.28%0.07%0.00%0 bps
Net Charge-Offs / Loans0.07%0.43%0.01%0.17%-0.01%-7 bps
Allowance / Loans0.86%0.79%0.80%0.78%0.80%-5 bps
Allowance Coverage of NPLsn/a266.0x2.8x10.9x163.7xn/a
Capital
Tier 1 Leverage Ratio13.01%12.99%13.15%13.67%14.11%+110 bps
Total Risk-Based Capital13.01%12.99%13.15%13.67%14.11%+110 bps
Equity / Assets12.23%12.50%12.64%13.45%13.77%+154 bps
Liquidity & Funding
Loans / Deposits81.74%78.20%79.75%81.51%81.31%-43 bps
Liquid Assets / Assets4.00%3.35%3.39%2.97%3.42%-58 bps
CRE / Total Capitaln/a188.39%173.41%158.88%n/an/a