Sloan, IA · Cert 8507 · Sloan State Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 1.3% share · #19 of 28 inst. · $0.1B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.97% | 1.12% | 1.05% | 1.32% | 1.01% | 1.08% | 1.21% | +16 bps | |
| Return on Equity | 21.05% | 18.59% | 23.74% | 20.44% | 21.98% | 15.04% | 17.65% | 20.41% | -3 bps | |
| Net Interest Margin | 3.12% | 3.06% | 3.04% | 3.27% | 3.33% | 3.21% | 3.10% | 3.06% | -20 bps | |
| Efficiency Ratio | 58.08% | 63.42% | 55.26% | 52.05% | 51.14% | 62.29% | 53.75% | 50.31% | -174 bps | |
| Non-Interest Burden | 1.77% | 1.89% | 1.65% | 1.66% | 1.66% | 1.96% | 1.63% | 1.50% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 4.19% | 5.01% | 3.79% | 1.98% | 0.28% | 18.33% | 10.44% | +665 bps | |
| Loan Growth (YoY) | -6.54% | 1.01% | 0.44% | 0.47% | 11.38% | 5.24% | 10.20% | 0.73% | +27 bps | |
| Deposit Growth (YoY) | -0.27% | 3.29% | 3.35% | 2.35% | 1.18% | -2.17% | 17.54% | 9.36% | +701 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.12% | 2.23% | 1.42% | 4.18% | 1.65% | 1.09% | 1.67% | 4.28% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.33% | 1.23% | 1.28% | 1.46% | 1.33% | 1.31% | 1.30% | 1.44% | -2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.9x | 0.4x | 0.8x | 1.2x | 0.8x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.90% | 11.25% | 11.55% | 11.69% | 12.11% | 11.75% | 11.93% | 10.95% | -74 bps | |
| Total Risk-Based Capital | 11.90% | 11.25% | 11.55% | 11.69% | 12.11% | 11.75% | 11.93% | 10.95% | -74 bps | |
| Equity / Assets | 5.97% | 4.45% | 4.95% | 5.35% | 6.70% | 6.78% | 5.61% | 6.28% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.79% | 36.29% | 33.74% | 34.35% | 38.30% | 39.04% | 31.63% | 31.64% | -271 bps | |
| Liquid Assets / Assets | 1.78% | 4.58% | 5.43% | 6.61% | 7.75% | 9.49% | 8.90% | 11.04% | +443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.64% | 5.89% | 7.61% | n/a | n/a | |