Newton, IA · Cert 4482 · United Iowa Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
70
Profitability
65
Liquidity
47
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Newton, IA · Cert 4482 · United Iowa Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.2% share · #40 of 57 inst. · $0.1B 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 | 0.45% | 0.49% | 0.67% | 0.74% | 0.81% | 0.82% | 0.98% | 1.15% | +41 bps | |
| Return on Equity | 7.90% | 8.17% | 9.21% | 9.86% | 10.50% | 10.26% | 11.07% | 13.29% | +343 bps | |
| Net Interest Margin | 3.08% | 3.16% | 3.51% | 3.57% | 3.74% | 3.82% | 4.17% | 4.27% | +70 bps | |
| Efficiency Ratio | 79.00% | 78.51% | 76.64% | 74.44% | 72.84% | 73.48% | 70.67% | 66.37% | -807 bps | |
| Non-Interest Burden | 2.38% | 2.42% | 2.65% | 2.61% | 2.66% | 2.74% | 2.86% | 2.74% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.32% | -7.51% | -8.32% | -4.97% | -3.66% | -4.36% | 0.54% | 3.80% | +877 bps | |
| Loan Growth (YoY) | 1.06% | -4.91% | -4.97% | 1.67% | 4.75% | 7.99% | 13.76% | 15.81% | +1,414 bps | |
| Deposit Growth (YoY) | -6.40% | -0.92% | -4.72% | -4.50% | 0.81% | -3.65% | -2.84% | 2.70% | +719 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.59% | 0.55% | +55 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.09% | 1.18% | 1.17% | 1.12% | 1.14% | 1.13% | 1.09% | 1.04% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.8x | 1.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.70% | 8.90% | 9.06% | 9.34% | 9.58% | 9.86% | 9.74% | +68 bps | |
| Total Risk-Based Capital | 13.67% | 14.21% | 14.00% | 13.71% | 13.99% | 14.07% | 13.76% | 13.40% | -31 bps | |
| Equity / Assets | 7.20% | 6.99% | 7.66% | 7.80% | 8.50% | 8.85% | 8.77% | 8.31% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.00% | 68.24% | 73.75% | 78.03% | 73.78% | 76.49% | 86.35% | 88.00% | +997 bps | |
| Liquid Assets / Assets | 1.91% | 1.93% | 1.73% | 1.69% | 1.55% | 0.85% | 0.79% | 0.70% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 312% | 290% | n/a | n/a | |
Newton, IA · Cert 4482 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · United Iowa Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.11%
Rank 11 of 19
Net Interest Margin
4.27%
Rank 1 of 19
Efficiency Ratio
66.37%
Rank 16 of 19
Equity / Assets
8.31%
Rank 16 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 1.05% | 1.15% | 1.42% | Beats 42% | 11 / 19 | ||
| Return on Equity | 13.31% | 10.97% | 12.15% | 13.79% | Beats 58% | 8 / 19 | ||
| Net Interest Margin | 4.27% | 3.08% | 3.50% | 3.67% | Beats 95% | 1 / 19 | ||
| Efficiency Ratio | 66.37% | 52.38% | 57.82% | 63.73% | Beats 21% | 16 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | n/a | 0.21% | 0.91% | Beats 39% | 12 / 18 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | Beats 100% | 5 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.38% | 10.79% | 12.38% | 16.13% | Beats 47% | 10 / 19 | ||
| Total Risk-Based Capital Ratio | 13.40% | 11.60% | 13.40% | 17.04% | Beats 47% | 10 / 19 | ||
| Equity / Assets | 8.31% | 8.64% | 9.66% | 11.07% | Beats 16% | 16 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.00% | 65.91% | 76.09% | 88.00% | 74th pctl | 5 / 19 | ||
| Loans / Assets | 71.77% | 57.37% | 63.36% | 76.16% | 63rd pctl | 7 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||