FNNB Bank
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
$109.5MAssets
$78.5MLoans
$89.3MDeposits
$9.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 5 of 18).
- Widest gap: equity / assets trails 84% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 16 of 19).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 21% of banks under $1B in assets in the Des Moines-West Des Moines, IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |