Fairfax, IA · Cert 8083 · Vanderbilt Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
59
Profitability
25
Liquidity
63
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairfax, IA · Cert 8083 · Vanderbilt Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 2.3% share · #9 of 35 inst. · $0.2B of $8.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.29% | 0.35% | 0.40% | 0.46% | 0.48% | 0.46% | 0.59% | +19 bps | |
| Return on Equity | 4.88% | 6.00% | 7.03% | 7.61% | 8.19% | 8.30% | 7.11% | 8.97% | +136 bps | |
| Net Interest Margin | 1.75% | 1.89% | 2.28% | 2.29% | 2.29% | 2.25% | 2.27% | 2.42% | +13 bps | |
| Efficiency Ratio | 85.51% | 83.88% | 70.10% | 73.12% | 72.58% | 72.47% | 73.66% | 67.79% | -534 bps | |
| Non-Interest Burden | 1.46% | 1.55% | 1.56% | 1.64% | 1.61% | 1.58% | 1.62% | 1.57% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.42% | -3.85% | -5.81% | 0.09% | -1.99% | 7.71% | 7.46% | 6.14% | +604 bps | |
| Loan Growth (YoY) | 2.07% | 4.35% | 4.08% | 2.98% | 3.26% | 3.36% | 1.25% | 1.58% | -140 bps | |
| Deposit Growth (YoY) | 7.06% | 8.16% | 4.07% | 6.60% | 4.45% | 6.76% | 7.26% | -0.06% | -666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.10% | 0.00% | 0.01% | 0.33% | 0.18% | 0.22% | 0.25% | +24 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.19% | 0.16% | 0.05% | 0.03% | 0.17% | 0.00% | -0.09% | -14 bps | |
| Allowance / Loans | 1.12% | 1.09% | 1.17% | 1.20% | 1.26% | 1.15% | 1.19% | 1.32% | +12 bps | |
| Allowance Coverage of NPLs | 9.4x | 10.8x | n/a | 133.4x | 3.8x | 6.2x | 5.4x | 5.3x | -128.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.56% | 9.56% | 9.58% | 9.71% | 9.57% | 9.53% | 9.46% | -12 bps | |
| Total Risk-Based Capital | 9.18% | 9.56% | 9.56% | 9.58% | 9.71% | 9.57% | 9.53% | 9.46% | -12 bps | |
| Equity / Assets | 5.58% | 5.01% | 5.02% | 5.70% | 6.54% | 6.81% | 6.14% | 6.64% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.54% | 69.71% | 68.05% | 67.83% | 67.76% | 67.49% | 64.24% | 68.94% | +112 bps | |
| Liquid Assets / Assets | 9.32% | 2.46% | 5.30% | 3.67% | 3.21% | 1.41% | 4.50% | 0.77% | -290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 175.53% | 178.22% | 183.50% | n/a | n/a | |
Fairfax, IA · Cert 8083 · Peer group: banks under $1B in assets (n=581-629) · Vanderbilt Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.58%
Rank 482 of 629
Net Interest Margin
2.42%
Rank 578 of 629
Efficiency Ratio
67.79%
Rank 315 of 629
Equity / Assets
6.64%
Rank 607 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.60% | 1.01% | 1.45% | Beats 23% | 482 / 629 | ||
| Return on Equity | 8.72% | 5.38% | 9.30% | 13.28% | Beats 45% | 347 / 629 | ||
| Net Interest Margin | 2.42% | 3.03% | 3.54% | 4.05% | Beats 8% | 578 / 629 | ||
| Efficiency Ratio | 67.79% | 58.35% | 67.79% | 79.08% | Beats 50% | 315 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.46% | 1.20% | Beats 61% | 229 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 260 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.46% | 11.24% | 13.84% | 18.77% | Beats 5% | 595 / 629 | ||
| Total Risk-Based Capital Ratio | 9.46% | 11.58% | 14.43% | 19.66% | Beats 5% | 596 / 629 | ||
| Equity / Assets | 6.64% | 9.09% | 10.65% | 13.80% | Beats 3% | 607 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.94% | 67.24% | 80.90% | 93.48% | 28th pctl | 426 / 594 | ||
| Loans / Assets | 55.14% | 53.31% | 67.71% | 78.15% | 27th pctl | 458 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||