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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.37% | 0.31% | 0.58% | 0.72% | 0.81% | 0.85% | 0.97% | +39 bps | |
| Return on Equity | 15.60% | 6.06% | 5.55% | 10.21% | 12.34% | 13.41% | 13.05% | 14.47% | +426 bps | |
| Net Interest Margin | 2.86% | 2.58% | 2.53% | 2.66% | 2.78% | 2.80% | 2.90% | 2.93% | +27 bps | |
| Efficiency Ratio | 61.15% | 63.87% | 70.22% | 68.44% | 66.23% | 65.40% | 66.44% | 63.28% | -516 bps | |
| Non-Interest Burden | 1.61% | 1.52% | 1.67% | 1.70% | 1.70% | 1.69% | 1.79% | 1.69% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.71% | 11.37% | 7.77% | 5.04% | -0.81% | 2.14% | 10.20% | 10.37% | +533 bps | |
| Loan Growth (YoY) | 9.11% | 8.06% | 12.32% | 10.45% | 7.43% | 10.48% | 8.67% | 11.23% | +78 bps | |
| Deposit Growth (YoY) | 8.27% | 9.55% | 7.08% | 6.34% | 2.71% | 2.95% | 10.57% | 9.45% | +311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.97% | 2.91% | 2.84% | 1.29% | 1.14% | 0.99% | 0.95% | 0.91% | -38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.55% | 2.56% | 1.85% | 1.34% | 0.08% | 0.05% | -250 bps | |
| Allowance / Loans | 1.24% | 2.46% | 2.49% | 1.33% | 1.22% | 1.20% | 1.23% | 1.23% | -10 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.8x | 0.9x | 1.0x | 1.1x | 1.2x | 1.3x | 1.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 9.71% | 10.03% | 10.06% | 10.28% | 10.29% | 10.24% | 9.95% | -11 bps | |
| Total Risk-Based Capital | 16.16% | 16.03% | 15.81% | 15.19% | 15.28% | 15.02% | 15.10% | 14.58% | -61 bps | |
| Equity / Assets | 5.91% | 5.72% | 5.49% | 5.85% | 6.19% | 6.99% | 6.05% | 7.10% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.55% | 60.10% | 58.69% | 64.57% | 59.15% | 64.49% | 57.68% | 65.62% | +105 bps | |
| Liquid Assets / Assets | 8.01% | 7.46% | 7.70% | 0.81% | 5.63% | 0.84% | 8.73% | 1.38% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 152.26% | 159.48% | 159.58% | n/a | n/a | |