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 | |