PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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