White State Bank
South English, IA · Cert 8519 · Peer group: banks under $1B in assets in IA (n=134-135) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 3 branches (12 in holding)
Q2 2026
$109.0MAssets
$38.1MLoans
$96.4MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in IA (rank 108 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.58%
Rank 25 of 135
Net Interest Margin
3.28%
Rank 83 of 135
Efficiency Ratio
43.38%
Rank 13 of 135
Equity / Assets
11.02%
Rank 69 of 135
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 91% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.92% | 1.19% | 1.47% | Beats 81% | 25 / 135 | |
| Return on Equity | 14.32% | 7.99% | 10.26% | 13.14% | Beats 81% | 25 / 135 | |
| Net Interest Margin | 3.28% | 2.95% | 3.41% | 3.73% | Beats 39% | 83 / 135 | |
| Efficiency Ratio | 43.38% | 50.61% | 57.35% | 63.29% | Beats 91% | 13 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.31% | 0.03% | 0.51% | 1.26% | Beats 25% | 102 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 11.16% | 11.23% | 13.31% | 15.45% | Beats 24% | 103 / 135 | |
| Total Risk-Based Capital Ratio | 11.16% | 11.61% | 14.06% | 16.47% | Beats 20% | 108 / 135 | |
| Equity / Assets | 11.02% | 9.87% | 11.05% | 13.07% | Beats 49% | 69 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 39.50% | 68.54% | 81.55% | 91.24% | 2nd pctl | 131 / 134 | |
| Loans / Assets | 34.92% | 57.61% | 68.06% | 76.23% | 6th pctl | 127 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |