New Albin, IA · Cert 8506
State charter, non-member · FDIC · 1 branch
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% | 0.89% | 0.91% | 1.01% | 1.07% | +19 bps | |
| Return on Equity | 6.08% | 6.02% | 6.03% | 6.78% | 7.23% | +115 bps | |
| Net Interest Margin | 1.63% | 1.78% | 1.82% | 1.85% | 1.94% | +31 bps | |
| Efficiency Ratio | 37.12% | 42.59% | 39.66% | 33.89% | 33.31% | -380 bps | |
| Non-Interest Burden | 0.60% | 0.74% | 0.71% | 0.61% | 0.64% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 4.89% | 5.98% | 5.11% | 3.94% | -145 bps | |
| Loan Growth (YoY) | -2.01% | 0.69% | 1.47% | 4.77% | 4.40% | +641 bps | |
| Deposit Growth (YoY) | 6.20% | 6.25% | 5.71% | 5.34% | 5.00% | -119 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.01% | 0.07% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.92% | 0.90% | 0.90% | 0.88% | 0.88% | -4 bps | |
| Allowance Coverage of NPLs | 23.3x | 23.1x | 173.3x | 12.2x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.73% | 15.90% | 15.68% | 15.75% | 15.53% | -20 bps | |
| Total Risk-Based Capital | 42.44% | 42.04% | 41.30% | 40.73% | 40.67% | -176 bps | |
| Equity / Assets | 14.46% | 15.09% | 15.04% | 14.80% | 14.81% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.18% | 40.36% | 40.01% | 39.81% | 39.94% | -23 bps | |
| Liquid Assets / Assets | 0.05% | 0.00% | 0.03% | 0.01% | 0.02% | -3 bps | |
| CRE / Total Capital | n/a | 11.59% | 12.14% | 14.32% | n/a | n/a | |