Dubuque, IA · Cert 57179
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.25% | 3.48% | 4.41% | 5.01% | 4.38% | +113 bps | |
| Return on Equity | 3.48% | 3.73% | 4.73% | 5.33% | 4.67% | +119 bps | |
| Net Interest Margin | 2.95% | 2.88% | 2.73% | 2.44% | 2.36% | -60 bps | |
| Efficiency Ratio | 92.42% | 91.93% | 89.94% | 89.08% | 90.58% | -184 bps | |
| Non-Interest Burden | -2.19% | -2.49% | -3.74% | -4.80% | -3.96% | -177 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.07% | -1.94% | -7.10% | 1.25% | 1.36% | +243 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 91.74% | 91.90% | 89.39% | 94.36% | 93.28% | +153 bps | |
| Total Risk-Based Capital | 91.74% | 91.90% | 89.39% | 94.36% | 93.28% | +153 bps | |
| Equity / Assets | 93.16% | 92.79% | 93.37% | 94.66% | 93.29% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 5.29% | 6.29% | 4.45% | 5.30% | 6.08% | +79 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |