Eldora, IA · Cert 5817 · Hardin County Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.88% | 0.80% | 0.86% | 0.93% | 0.98% | +10 bps | |
| Return on Equity | 19.32% | 18.45% | 17.44% | 17.61% | 17.28% | -204 bps | |
| Net Interest Margin | 2.73% | 2.60% | 2.71% | 2.70% | 2.83% | +9 bps | |
| Efficiency Ratio | 56.63% | 58.61% | 55.82% | 56.26% | 52.33% | -430 bps | |
| Non-Interest Burden | 1.45% | 1.44% | 1.42% | 1.42% | 1.38% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.41% | 17.25% | 14.51% | 13.20% | 6.17% | -525 bps | |
| Loan Growth (YoY) | 18.63% | 20.16% | 23.82% | 18.84% | 12.30% | -633 bps | |
| Deposit Growth (YoY) | 14.83% | 20.36% | 11.56% | 8.48% | 0.86% | -1,397 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.31% | 1.25% | 1.15% | 1.31% | 1.25% | -6 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | -0.01% | -0.01% | 0.18% | +13 bps | |
| Allowance / Loans | 0.67% | 0.68% | 0.67% | 0.72% | 0.75% | +8 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.6x | 0.6x | 0.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.79% | 9.38% | 9.62% | 9.63% | 9.79% | 0 bps | |
| Total Risk-Based Capital | 13.71% | 13.54% | 13.49% | 13.96% | 14.06% | +35 bps | |
| Equity / Assets | 4.11% | 4.57% | 5.34% | 5.27% | 6.09% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.13% | 66.30% | 78.07% | 74.16% | 76.98% | +784 bps | |
| Liquid Assets / Assets | 12.67% | 11.76% | 12.01% | 11.99% | 12.03% | -65 bps | |
| CRE / Total Capital | n/a | 181.15% | 206% | 208% | n/a | n/a | |