South English, IA · Cert 8519 · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 3 branches (12 in holding)
Q2 2026
Market Position · Iowa City, IA · 2026 SOD (annual) · 0.5% share · #15 of 20 inst. · $0.0B of $5.9B
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 | 1.37% | 1.30% | 1.20% | 1.32% | 1.34% | 1.40% | 1.48% | 1.62% | +31 bps | |
| Return on Equity | 14.51% | 13.63% | 11.79% | 12.53% | 12.39% | 12.82% | 13.11% | 14.48% | +196 bps | |
| Net Interest Margin | 2.89% | 2.88% | 3.01% | 3.17% | 3.23% | 3.22% | 3.28% | 3.28% | +11 bps | |
| Efficiency Ratio | 44.28% | 46.72% | 49.20% | 47.39% | 47.48% | 45.39% | 43.98% | 43.38% | -402 bps | |
| Non-Interest Burden | 1.19% | 1.26% | 1.38% | 1.41% | 1.44% | 1.37% | 1.34% | 1.33% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.69% | 0.25% | 1.36% | -1.40% | -2.68% | 5.20% | 3.94% | 10.22% | +1,162 bps | |
| Loan Growth (YoY) | 9.56% | -0.20% | 1.41% | 5.05% | 1.84% | 1.33% | 1.30% | 3.03% | -202 bps | |
| Deposit Growth (YoY) | 8.17% | -0.75% | -0.09% | -3.42% | -4.35% | 3.47% | 2.91% | 10.55% | +1,397 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.00% | 0.96% | 0.00% | 0.00% | 0.00% | 0.96% | 1.31% | +131 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | -0.03% | -0.02% | -0.02% | -0.03% | -0.02% | +1 bps | |
| Allowance / Loans | 1.75% | 1.75% | 1.80% | 1.76% | 1.74% | 1.75% | 1.80% | 1.74% | -2 bps | |
| Allowance Coverage of NPLs | 6.4x | n/a | 1.9x | n/a | n/a | n/a | 1.9x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.79% | 10.69% | 11.26% | 11.38% | 11.55% | 11.12% | 11.16% | -10 bps | |
| Total Risk-Based Capital | 10.58% | 10.79% | 10.69% | 11.26% | 11.38% | 11.55% | 11.12% | 11.16% | -10 bps | |
| Equity / Assets | 10.41% | 10.00% | 10.40% | 11.14% | 11.71% | 11.40% | 11.22% | 11.02% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.97% | 41.43% | 40.82% | 42.37% | 43.63% | 40.57% | 40.19% | 39.50% | -288 bps | |
| Liquid Assets / Assets | 1.05% | 0.56% | 0.52% | 0.29% | 0.33% | 0.37% | 0.31% | 0.36% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 42.04% | 42.30% | 55.03% | n/a | n/a | |