State Bank of Toledo, The
Toledo, IA · Cert 4514 · Peer group: banks under $1B in assets in IA (n=134-135) · Tama County Abstract Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
$134.6MAssets
$110.1MLoans
$120.2MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks under $1B in assets in IA (rank 11 of 135).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in IA (rank 131 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.91%
Rank 105 of 135
Net Interest Margin
4.18%
Rank 11 of 135
Efficiency Ratio
76.70%
Rank 121 of 135
Equity / Assets
10.38%
Rank 84 of 135
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 11% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.92% | 1.19% | 1.47% | Beats 22% | 105 / 135 | | |
| Return on Equity | 8.74% | 7.99% | 10.26% | 13.14% | Beats 34% | 89 / 135 | | |
| Net Interest Margin | 4.18% | 2.95% | 3.41% | 3.73% | Beats 92% | 11 / 135 | | |
| Efficiency Ratio | 76.70% | 50.61% | 57.35% | 63.29% | Beats 11% | 121 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.04% | 0.03% | 0.51% | 1.26% | Beats 13% | 118 / 134 | | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.03% | Beats 10% | 121 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 11.23% | 13.31% | 15.45% | Beats 3% | 131 / 135 | | |
| Total Risk-Based Capital Ratio | 9.83% | 11.61% | 14.06% | 16.47% | Beats 3% | 131 / 135 | | |
| Equity / Assets | 10.38% | 9.87% | 11.05% | 13.07% | Beats 38% | 84 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.61% | 68.54% | 81.55% | 91.24% | 75th pctl | 33 / 134 | | |
| Loans / Assets | 81.79% | 57.61% | 68.06% | 76.23% | 88th pctl | 16 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |