Breda Savings Bank
Breda, IA · Cert 5792 · Peer group: banks under $1B in assets in IA (n=134-135) · Van Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$106.0MAssets
$56.1MLoans
$84.7MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in IA (rank 128 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.59%
Rank 24 of 135
Net Interest Margin
2.82%
Rank 108 of 135
Efficiency Ratio
49.64%
Rank 32 of 135
Equity / Assets
8.20%
Rank 128 of 135
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 77% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.92% | 1.19% | 1.47% | Beats 82% | 24 / 135 | | |
| Return on Equity | 19.44% | 7.99% | 10.26% | 13.14% | Beats 99% | 2 / 135 | | |
| Net Interest Margin | 2.82% | 2.95% | 3.41% | 3.73% | Beats 20% | 108 / 135 | | |
| Efficiency Ratio | 49.64% | 50.61% | 57.35% | 63.29% | Beats 77% | 32 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 10.88% | 11.23% | 13.31% | 15.45% | Beats 17% | 112 / 135 | | |
| Total Risk-Based Capital Ratio | 10.88% | 11.61% | 14.06% | 16.47% | Beats 15% | 115 / 135 | | |
| Equity / Assets | 8.20% | 9.87% | 11.05% | 13.07% | Beats 5% | 128 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.24% | 68.54% | 81.55% | 91.24% | 21st pctl | 106 / 134 | | |
| Loans / Assets | 52.91% | 57.61% | 68.06% | 76.23% | 17th pctl | 112 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |