Shenandoah, IA · Cert 4457 · First National Bcorp
State charter, Fed member · FED · 2 branches
Q2 2026
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 | 1.15% | 1.26% | 1.26% | 1.51% | 1.49% | +34 bps | |
| Return on Equity | 13.65% | 14.46% | 14.24% | 15.72% | 15.45% | +181 bps | |
| Net Interest Margin | 3.55% | 3.66% | 3.69% | 4.07% | 4.09% | +54 bps | |
| Efficiency Ratio | 57.89% | 55.32% | 56.43% | 51.00% | 51.82% | -607 bps | |
| Non-Interest Burden | 2.01% | 1.97% | 2.02% | 2.00% | 2.05% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.32% | 7.07% | 1.93% | 3.31% | 3.79% | -453 bps | |
| Loan Growth (YoY) | 10.38% | 6.96% | 6.65% | 5.03% | 5.96% | -442 bps | |
| Deposit Growth (YoY) | -0.32% | 0.63% | 0.49% | 2.13% | 3.15% | +347 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.18% | 1.24% | 1.23% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.50% | 9.89% | 9.85% | 10.20% | 10.21% | +71 bps | |
| Total Risk-Based Capital | 9.50% | 9.89% | 9.85% | 10.20% | 10.21% | +71 bps | |
| Equity / Assets | 8.80% | 9.50% | 9.54% | 9.67% | 9.66% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.88% | 94.31% | 93.31% | 89.42% | 93.35% | +247 bps | |
| Liquid Assets / Assets | 1.79% | 0.22% | 0.22% | 0.22% | 0.23% | -156 bps | |
| CRE / Total Capital | n/a | 172.63% | 158.09% | 146.40% | n/a | n/a | |