Audubon State Bank
Audubon, IA · Cert 5814 · Peer group: banks under $1B in assets in IA (n=134-135) · Audubon County Investment Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
$155.3MAssets
$123.2MLoans
$131.0MDeposits
$19.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: tier 1 capital ratio trails 38% of banks under $1B in assets in IA (rank 51 of 135).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.02%
Rank 5 of 135
Net Interest Margin
4.08%
Rank 15 of 135
Efficiency Ratio
41.04%
Rank 10 of 135
Equity / Assets
12.36%
Rank 45 of 135
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 93% 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 | 2.02% | 0.92% | 1.19% | 1.47% | Beats 96% | 5 / 135 | | |
| Return on Equity | 16.36% | 7.99% | 10.26% | 13.14% | Beats 91% | 12 / 135 | | |
| Net Interest Margin | 4.08% | 2.95% | 3.41% | 3.73% | Beats 89% | 15 / 135 | | |
| Efficiency Ratio | 41.04% | 50.61% | 57.35% | 63.29% | Beats 93% | 10 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.03% | 0.51% | 1.26% | Beats 66% | 47 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 14.41% | 11.23% | 13.31% | 15.45% | Beats 62% | 51 / 135 | | |
| Total Risk-Based Capital Ratio | 15.57% | 11.61% | 14.06% | 16.47% | Beats 68% | 43 / 135 | | |
| Equity / Assets | 12.36% | 9.87% | 11.05% | 13.07% | Beats 67% | 45 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.02% | 68.54% | 81.55% | 91.24% | 79th pctl | 28 / 134 | | |
| Loans / Assets | 79.28% | 57.61% | 68.06% | 76.23% | 84th pctl | 22 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |