Toledo, IA · Cert 4514 · Tama County Abstract Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.27% | 0.24% | 0.70% | 1.05% | 0.89% | 0.69% | 1.05% | +35 bps | |
| Return on Equity | 4.55% | 2.72% | 2.35% | 6.80% | 10.29% | 8.81% | 7.12% | 10.58% | +378 bps | |
| Net Interest Margin | 3.73% | 3.66% | 3.78% | 3.86% | 4.46% | 5.85% | 4.06% | 4.23% | +37 bps | |
| Efficiency Ratio | 86.43% | 88.29% | 93.74% | 80.42% | 74.18% | 60.18% | 79.24% | 74.21% | -622 bps | |
| Non-Interest Burden | 3.13% | 3.13% | 3.48% | 2.95% | 3.11% | 3.21% | 3.06% | 2.94% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.46% | 5.84% | -1.20% | -2.46% | 0.99% | 1.14% | 10.82% | -0.39% | +207 bps | |
| Loan Growth (YoY) | 6.61% | -1.20% | 0.55% | 4.99% | 2.61% | 6.07% | 0.43% | -3.05% | -804 bps | |
| Deposit Growth (YoY) | 10.78% | 7.05% | 1.97% | -1.18% | 4.02% | 3.15% | 11.80% | 0.66% | +184 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.03% | 2.83% | 2.26% | 2.40% | 2.11% | 1.16% | 1.77% | 2.04% | -36 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.10% | -0.25% | 0.04% | 0.00% | 0.70% | 0.54% | 0.00% | -4 bps | |
| Allowance / Loans | 1.71% | 1.73% | 1.72% | 1.67% | 1.71% | 1.97% | 1.87% | 1.89% | +23 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.8x | 0.7x | 0.8x | 1.7x | 1.1x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.59% | 10.05% | 10.02% | 9.98% | 9.56% | 9.51% | 9.83% | -19 bps | |
| Total Risk-Based Capital | 13.51% | 13.07% | 10.05% | 10.02% | 9.98% | 9.56% | 9.51% | 9.83% | -19 bps | |
| Equity / Assets | 10.22% | 9.83% | 10.38% | 10.08% | 10.30% | 9.87% | 9.50% | 10.38% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.02% | 87.93% | 95.11% | 95.12% | 92.74% | 90.42% | 85.44% | 91.61% | -351 bps | |
| Liquid Assets / Assets | 8.85% | 11.37% | 6.71% | 7.52% | 8.25% | 10.06% | 13.46% | 6.85% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 132.40% | 126.79% | 117.33% | n/a | n/a | |