Clinton, IA · Cert 35477 · CFB Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.68% | -1.45% | 0.48% | 0.71% | 0.89% | 0.84% | 1.01% | +53 bps | |
| Return on Equity | 12.29% | 12.34% | -27.99% | 9.02% | 12.29% | 14.55% | 13.24% | 15.75% | +673 bps | |
| Net Interest Margin | 2.53% | 2.63% | 2.19% | 2.66% | 2.61% | 2.95% | 2.93% | 3.22% | +56 bps | |
| Efficiency Ratio | 71.36% | 71.04% | 84.28% | 79.56% | 66.99% | 67.01% | 64.83% | 62.39% | -1,717 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.76% | 1.99% | 1.56% | 1.78% | 1.71% | 1.78% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | 2.21% | 3.10% | 10.25% | 11.17% | 11.83% | 9.56% | 6.47% | -379 bps | |
| Loan Growth (YoY) | 0.99% | 0.12% | 0.02% | 7.01% | 11.42% | 15.82% | 15.69% | 13.98% | +698 bps | |
| Deposit Growth (YoY) | -3.58% | -1.44% | 7.01% | 11.51% | 13.59% | 9.02% | 9.65% | 5.57% | -594 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.38% | 2.24% | 2.26% | 1.40% | 1.41% | 2.01% | 2.11% | 1.71% | +31 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.03% | 2.42% | 0.00% | 0.15% | 0.34% | 0.01% | -242 bps | |
| Allowance / Loans | 1.32% | 1.32% | 1.94% | 1.27% | 1.28% | 1.19% | 1.16% | 1.17% | -10 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.9x | 0.9x | 0.9x | 0.6x | 0.5x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.35% | 8.39% | 7.81% | 8.04% | 8.02% | 8.22% | 8.32% | 8.24% | +19 bps | |
| Total Risk-Based Capital | 11.72% | 11.82% | 11.27% | 11.18% | 11.19% | 11.09% | 10.93% | 11.09% | -9 bps | |
| Equity / Assets | 5.83% | 5.28% | 5.05% | 5.56% | 5.97% | 6.31% | 6.34% | 6.54% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.43% | 92.86% | 90.86% | 95.22% | 92.62% | 98.65% | 95.86% | 102.81% | +759 bps | |
| Liquid Assets / Assets | 1.03% | 2.12% | 0.91% | 0.83% | 0.78% | 0.77% | 0.87% | 0.81% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 374% | 368% | n/a | n/a | |