First Bank
Waverly, IA · Cert 4519 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First of Waverly Corp.
State charter, Fed member · FED · 8 branches
Q2 2026
$739.9MAssets
$564.9MLoans
$619.8MDeposits
$96.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets operating in a single state (rank 80 of 746).
- Widest gap: nonperforming loans / loans trails 55% of banks under $1B in assets operating in a single state (rank 413 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.54%
Rank 158 of 746
Net Interest Margin
3.59%
Rank 409 of 746
Efficiency Ratio
47.98%
Rank 80 of 746
Equity / Assets
13.05%
Rank 188 of 746
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 89% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.72% | 1.06% | 1.45% | Beats 79% | 158 / 746 | | |
| Return on Equity | 11.76% | 6.74% | 10.51% | 13.63% | Beats 61% | 289 / 746 | | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 45% | 409 / 746 | | |
| Efficiency Ratio | 47.98% | 55.74% | 64.58% | 75.47% | Beats 89% | 80 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.07% | Beats 45% | 413 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 246 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.38% | 11.55% | 13.75% | 17.60% | Beats 74% | 197 / 746 | | |
| Total Risk-Based Capital Ratio | 18.63% | 11.71% | 14.33% | 18.43% | Beats 76% | 179 / 746 | | |
| Equity / Assets | 13.05% | 8.90% | 10.51% | 13.06% | Beats 75% | 188 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.15% | 61.31% | 78.27% | 90.78% | 76th pctl | 180 / 746 | | |
| Loans / Assets | 76.35% | 53.60% | 66.97% | 76.08% | 76th pctl | 182 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |