Sioux City, IA · Cert 57505 · 215 Holding Co.
National charter · OCC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
100
Profitability
53
Liquidity
3
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sioux City, IA · Cert 57505 · 215 Holding Co.
National charter · OCC · 5 affiliate banks · 8 branches (24 in holding)
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 6.5% share · #5 of 28 inst. · $0.3B of $4.6B
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 | 0.95% | 0.97% | 1.15% | 1.17% | 1.18% | 1.18% | 1.30% | 1.26% | +9 bps | |
| Return on Equity | 5.70% | 5.88% | 7.01% | 7.04% | 7.05% | 7.01% | 7.66% | 7.44% | +40 bps | |
| Net Interest Margin | 3.31% | 3.23% | 3.57% | 3.63% | 3.67% | 3.55% | 3.85% | 3.71% | +8 bps | |
| Efficiency Ratio | 60.00% | 59.77% | 56.89% | 56.04% | 56.42% | 56.54% | 55.33% | 55.46% | -58 bps | |
| Non-Interest Burden | 1.77% | 1.73% | 1.78% | 1.77% | 1.80% | 1.76% | 1.84% | 1.78% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.56% | 1.32% | 3.79% | 5.45% | 3.59% | -1.93% | 2.88% | 4.48% | -97 bps | |
| Loan Growth (YoY) | 10.34% | 5.55% | 6.70% | 6.91% | 6.91% | 7.20% | 5.95% | 7.07% | +17 bps | |
| Deposit Growth (YoY) | -1.39% | -2.85% | 4.61% | 1.07% | 1.50% | -7.86% | 0.49% | 7.22% | +615 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.01% | 1.00% | 1.02% | 0.99% | 1.00% | 0.98% | 0.99% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.20% | 9.12% | 9.32% | 9.76% | 9.84% | 9.53% | 9.77% | 10.31% | +55 bps | |
| Total Risk-Based Capital | 11.49% | 11.66% | 11.74% | 12.32% | 12.10% | 12.17% | 12.06% | 12.76% | +43 bps | |
| Equity / Assets | 16.95% | 16.03% | 16.89% | 16.98% | 17.04% | 17.09% | 16.96% | 16.67% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.84% | 92.41% | 99.64% | 102.65% | 108.32% | 107.51% | 105.06% | 102.51% | -14 bps | |
| Liquid Assets / Assets | 0.75% | 5.33% | 0.21% | 1.79% | 0.14% | 0.13% | 0.07% | 2.45% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 374% | 382% | n/a | n/a | |
Sioux City, IA · Cert 57505 · Peer group: banks under $1B in assets (n=573-620) · 215 Holding Co.
National charter · OCC · 5 affiliate banks · 8 branches (24 in holding)
Q2 2026
Return on Assets
1.23%
Rank 214 of 620
Net Interest Margin
3.71%
Rank 254 of 620
Efficiency Ratio
59.52%
Rank 169 of 620
Equity / Assets
16.67%
Rank 109 of 620
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.60% | 1.00% | 1.45% | Beats 65% | 214 / 620 | ||
| Return on Equity | 7.38% | 5.30% | 9.30% | 13.29% | Beats 36% | 398 / 620 | ||
| Net Interest Margin | 3.71% | 3.02% | 3.53% | 4.04% | Beats 59% | 254 / 620 | ||
| Efficiency Ratio | 59.52% | 58.35% | 68.08% | 79.37% | Beats 73% | 169 / 620 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.80% | 11.27% | 13.87% | 18.78% | Beats 31% | 430 / 620 | ||
| Total Risk-Based Capital Ratio | 12.76% | 11.69% | 14.57% | 19.67% | Beats 36% | 399 / 620 | ||
| Equity / Assets | 16.67% | 9.03% | 10.60% | 13.73% | Beats 82% | 109 / 620 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.51% | 65.08% | 79.69% | 92.47% | 90th pctl | 61 / 585 | ||
| Loans / Assets | 75.08% | 51.85% | 67.17% | 77.86% | 67th pctl | 204 / 620 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||