Indianola, IA · Cert 34973 · Central South Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.1% share · #16 of 57 inst. · $0.4B of $38.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.72% | 0.81% | 0.85% | 0.97% | +39 bps | |
| Return on Equity | 10.21% | 12.34% | 13.41% | 13.05% | 14.47% | +426 bps | |
| Net Interest Margin | 2.66% | 2.78% | 2.80% | 2.90% | 2.93% | +27 bps | |
| Efficiency Ratio | 68.44% | 66.23% | 65.40% | 66.44% | 63.28% | -516 bps | |
| Non-Interest Burden | 1.70% | 1.70% | 1.69% | 1.79% | 1.69% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.04% | -0.81% | 2.14% | 10.20% | 10.37% | +533 bps | |
| Loan Growth (YoY) | 10.45% | 7.43% | 10.48% | 8.67% | 11.23% | +78 bps | |
| Deposit Growth (YoY) | 6.34% | 2.71% | 2.95% | 10.57% | 9.45% | +311 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.29% | 1.14% | 0.99% | 0.95% | 0.91% | -38 bps | |
| Net Charge-Offs / Loans | 2.56% | 1.85% | 1.34% | 0.08% | 0.05% | -250 bps | |
| Allowance / Loans | 1.33% | 1.22% | 1.20% | 1.23% | 1.23% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.2x | 1.3x | 1.4x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.06% | 10.28% | 10.29% | 10.24% | 9.95% | -11 bps | |
| Total Risk-Based Capital | 15.19% | 15.28% | 15.02% | 15.10% | 14.58% | -61 bps | |
| Equity / Assets | 5.85% | 6.19% | 6.99% | 6.05% | 7.10% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.57% | 59.15% | 64.49% | 57.68% | 65.62% | +105 bps | |
| Liquid Assets / Assets | 0.81% | 5.63% | 0.84% | 8.73% | 1.38% | +58 bps | |
| CRE / Total Capital | n/a | 152.26% | 159.48% | 159.58% | n/a | n/a | |