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First National Bank of Waterloo

Waterloo, IL · Cert 3842 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Waterloo Bancshares Inc.

National charter · OCC · 16 branches

Q2 2026

$929.3MAssets
$548.5MLoans
$779.6MDeposits
$91.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 55% of banks under $1B in assets in the St. Louis, MO-IL area (rank 19 of 40).
  • Widest gap: nonperforming loans / loans trails 66% of banks under $1B in assets in the St. Louis, MO-IL area (rank 26 of 38).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 23 of 40

Net Interest Margin

3.15%

Rank 26 of 40

Efficiency Ratio

63.82%

Rank 19 of 40

Equity / Assets

9.87%

Rank 18 of 40

Non-interest income vs. expense

$5.4M$22.4MINCOMEEXPENSE
Unfavorable gap of $17.1M · efficiency ratio beats 55% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 63.82%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.64%1.04%1.26%Beats 43%23 / 40
Return on Equity9.82%6.25%9.97%13.41%Beats 48%21 / 40
Net Interest Margin3.15%3.09%3.22%3.62%Beats 35%26 / 40
Efficiency Ratio63.82%57.08%64.37%75.86%Beats 55%19 / 40
Asset Quality
Nonperforming Loans / Loans1.33%0.14%0.62%1.92%Beats 34%26 / 38
Net Charge-Offs / Loans0.02%0.00%0.01%0.09%Beats 42%23 / 38
Capital
Tier 1 Capital Ratio12.88%10.29%12.88%15.77%Beats 50%20 / 40
Total Risk-Based Capital Ratio14.13%10.64%13.30%17.01%Beats 53%19 / 40
Equity / Assets9.87%8.59%9.46%12.46%Beats 55%18 / 40
Liquidity & Funding
Loans / Deposits70.35%66.12%79.48%94.60%33rd pctl27 / 40
Loans / Assets59.02%54.69%68.52%77.46%30th pctl28 / 40
Brokered Deposits / Depositsn/aNot reported for this institution