PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Gateway

Camanche, IA · Charter 63124

NCUA · 8 branches

Q2 2026

$170.9MAssets
$129.6MLoans
$146.9MShares
$24.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.84%, up 13 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.35% of loans (+17 bps YoY).
  • Capital: net worth / assets of 14.08%, down 5 bps from a year ago.
  • Funding: loans stand at 88.26% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.84%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.16%+15 bps YoY

Efficiency Ratio (quarter, annualized)

77.14%-311 bps YoY

Net Worth / Assets

14.08%-5 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.52%0.62%0.71%0.79%0.51%0.81%0.84%+13 bps
Return on Equity5.61%3.72%4.50%5.04%5.35%3.66%5.91%5.97%+93 bps
Net Interest Margin4.10%3.71%3.88%4.00%4.17%3.77%4.05%4.16%+15 bps
Efficiency Ratio79.22%84.49%79.97%80.25%79.65%84.25%80.79%77.14%-311 bps
Growth
Asset Growth (YoY)-1.58%3.22%0.41%2.70%1.69%2.72%3.24%3.10%+40 bps
Loan Growth (YoY)-6.40%-6.81%-5.01%-1.89%2.69%3.51%3.20%3.08%+497 bps
Share Growth (YoY)2.21%5.55%2.37%2.74%1.61%2.76%2.71%3.21%+47 bps
Asset Quality
Delinquent Loans / Loans0.38%0.64%0.49%0.19%0.27%0.22%0.20%0.35%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.44%13.90%13.87%14.13%14.72%13.84%13.79%14.08%-5 bps
Net Worth / Assets14.44%13.90%13.87%14.13%14.72%13.84%13.79%14.08%-5 bps
Liquidity & Funding
Loans / Shares93.50%88.64%86.31%88.37%94.50%89.29%86.73%88.26%-11 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps