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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.20% | 1.17% | 1.30% | 1.22% | +2 bps | |
| Return on Equity | 7.09% | 7.05% | 6.87% | 7.66% | 7.24% | +15 bps | |
| Net Interest Margin | 3.67% | 3.77% | 3.64% | 3.85% | 3.65% | -2 bps | |
| Efficiency Ratio | 55.22% | 57.15% | 56.90% | 55.33% | 55.60% | +38 bps | |
| Non-Interest Burden | 1.74% | 1.88% | 1.83% | 1.84% | 1.75% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 3.59% | -1.93% | 2.88% | 4.48% | -97 bps | |
| Loan Growth (YoY) | 6.91% | 6.91% | 7.20% | 5.95% | 7.07% | +17 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.76% | 9.84% | 9.53% | 9.77% | 10.31% | +55 bps | |
| Total Risk-Based Capital | 12.32% | 12.10% | 12.17% | 12.06% | 12.76% | +43 bps | |
| Equity / Assets | 16.98% | 17.04% | 17.09% | 16.96% | 16.67% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.65% | 108.32% | 107.51% | 105.06% | 102.51% | -14 bps | |
| Liquid Assets / Assets | 1.79% | 0.14% | 0.13% | 0.07% | 2.45% | +66 bps | |
| CRE / Total Capital | n/a | 368% | 374% | 382% | n/a | n/a | |