New Albin Savings Bank
New Albin, IA · Cert 8506 · Peer group: banks under $1B in assets in IA (n=134-135)
State charter, non-member · FDIC · 1 branch
Q2 2026
$350.6MAssets
$118.5MLoans
$296.6MDeposits
$51.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: net interest margin trails 99% of banks under $1B in assets in IA (rank 133 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.03%
Rank 88 of 135
Net Interest Margin
1.88%
Rank 133 of 135
Efficiency Ratio
33.59%
Rank 4 of 135
Equity / Assets
14.81%
Rank 22 of 135
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 98% 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 | 1.03% | 0.92% | 1.19% | 1.47% | Beats 35% | 88 / 135 | | |
| Return on Equity | 6.97% | 7.99% | 10.26% | 13.14% | Beats 18% | 111 / 135 | | |
| Net Interest Margin | 1.88% | 2.95% | 3.41% | 3.73% | Beats 1% | 133 / 135 | | |
| Efficiency Ratio | 33.59% | 50.61% | 57.35% | 63.29% | Beats 98% | 4 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 39.92% | 11.23% | 13.31% | 15.45% | Beats 96% | 5 / 135 | | |
| Total Risk-Based Capital Ratio | 40.67% | 11.61% | 14.06% | 16.47% | Beats 97% | 4 / 135 | | |
| Equity / Assets | 14.81% | 9.87% | 11.05% | 13.07% | Beats 84% | 22 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.94% | 68.54% | 81.55% | 91.24% | 4th pctl | 129 / 134 | | |
| Loans / Assets | 33.80% | 57.61% | 68.06% | 76.23% | 4th pctl | 129 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |