Davenport, IA · Cert 34955 · Ambank Holdings Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 3.3% share · #9 of 29 inst. · $0.3B of $10.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.38% | 0.06% | 0.23% | 0.40% | 0.43% | 0.70% | 0.78% | +55 bps | |
| Return on Equity | 8.09% | 6.09% | 0.83% | 3.26% | 5.72% | 5.93% | 8.48% | 9.47% | +621 bps | |
| Net Interest Margin | 2.74% | 2.81% | 2.79% | 2.86% | 2.92% | 3.02% | 2.95% | 2.95% | +9 bps | |
| Efficiency Ratio | 77.87% | 82.76% | 98.10% | 92.60% | 90.51% | 88.69% | 82.00% | 78.51% | -1,409 bps | |
| Non-Interest Burden | 1.96% | 2.18% | 2.71% | 2.58% | 2.57% | 2.56% | 2.20% | 2.05% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -2.94% | -8.24% | -8.46% | -1.75% | -10.04% | -7.21% | -0.58% | +788 bps | |
| Loan Growth (YoY) | -0.31% | -7.44% | -9.27% | -8.29% | -8.94% | -5.33% | -3.24% | -0.14% | +815 bps | |
| Deposit Growth (YoY) | 1.70% | 0.93% | -10.58% | -5.82% | -10.63% | -11.23% | -8.11% | -11.05% | -523 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.22% | 0.37% | 0.74% | 0.58% | 0.04% | 0.54% | 0.86% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.01% | -0.02% | 0.00% | 0.01% | 0.38% | 0.18% | +20 bps | |
| Allowance / Loans | 1.25% | 1.33% | 1.35% | 1.37% | 1.37% | 1.40% | 1.29% | 1.28% | -9 bps | |
| Allowance Coverage of NPLs | 6.5x | 6.0x | 3.6x | 1.9x | 2.4x | 32.2x | 2.4x | 1.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.33% | 9.55% | 9.76% | 10.32% | 10.22% | 10.16% | 10.06% | +30 bps | |
| Total Risk-Based Capital | 15.20% | 15.60% | 15.67% | 15.94% | 16.70% | 14.25% | 15.84% | 15.43% | -51 bps | |
| Equity / Assets | 6.74% | 6.65% | 7.00% | 7.47% | 6.83% | 8.04% | 8.40% | 8.38% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.19% | 72.28% | 77.10% | 76.15% | 80.68% | 77.08% | 81.18% | 85.49% | +934 bps | |
| Liquid Assets / Assets | 17.26% | 19.61% | 19.57% | 17.89% | 22.37% | 17.24% | 15.75% | 15.39% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 362% | 369% | 376% | n/a | n/a | |