State Central Bank
Bonaparte, IA · Cert 5820 · Peer group: banks under $1B in assets in IA (n=134-135) · Logan Investment Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$63.2MAssets
$37.0MLoans
$50.6MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in IA (rank 4 of 135).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets in IA (rank 115 of 134).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 67 of 135
Net Interest Margin
4.60%
Rank 4 of 135
Efficiency Ratio
71.84%
Rank 116 of 135
Equity / Assets
16.88%
Rank 10 of 135
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 15% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.92% | 1.19% | 1.47% | Beats 50% | 67 / 135 | |
| Return on Equity | 7.14% | 7.99% | 10.26% | 13.14% | Beats 19% | 109 / 135 | |
| Net Interest Margin | 4.60% | 2.95% | 3.41% | 3.73% | Beats 97% | 4 / 135 | |
| Efficiency Ratio | 71.84% | 50.61% | 57.35% | 63.29% | Beats 15% | 116 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.03% | 0.51% | 1.26% | Beats 28% | 98 / 134 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.03% | Beats 15% | 115 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 16.11% | 11.23% | 13.31% | 15.45% | Beats 80% | 27 / 135 | |
| Total Risk-Based Capital Ratio | 16.11% | 11.61% | 14.06% | 16.47% | Beats 70% | 40 / 135 | |
| Equity / Assets | 16.88% | 9.87% | 11.05% | 13.07% | Beats 93% | 10 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 73.14% | 68.54% | 81.55% | 91.24% | 34th pctl | 89 / 134 | |
| Loans / Assets | 58.51% | 57.61% | 68.06% | 76.23% | 26th pctl | 100 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |