Monticello, IA · Cert 9047 · Herky Hawk Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 2.4% share · #8 of 35 inst. · $0.2B of $8.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.47% | 0.56% | 0.83% | 0.94% | +55 bps | |
| Return on Equity | 8.39% | 9.85% | 11.16% | 13.85% | 15.01% | +662 bps | |
| Net Interest Margin | 2.23% | 2.25% | 2.24% | 2.65% | 2.69% | +46 bps | |
| Efficiency Ratio | 68.92% | 68.86% | 66.31% | 64.87% | 60.60% | -832 bps | |
| Non-Interest Burden | 1.45% | 1.46% | 1.38% | 1.59% | 1.47% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.64% | 5.96% | 8.39% | 4.21% | 5.47% | -417 bps | |
| Loan Growth (YoY) | 18.49% | 12.51% | 13.80% | 9.12% | 7.67% | -1,082 bps | |
| Deposit Growth (YoY) | 11.39% | 5.72% | 8.30% | 2.93% | 4.33% | -706 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 1.68% | 1.51% | 1.52% | 1.46% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.15% | 1.17% | 1.18% | +3 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 0.8x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.89% | 11.04% | 10.78% | 11.37% | 11.48% | +59 bps | |
| Total Risk-Based Capital | 10.89% | 11.04% | 10.78% | 11.37% | 11.48% | +59 bps | |
| Equity / Assets | 4.75% | 5.52% | 5.95% | 6.11% | 6.66% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.11% | 58.89% | 60.70% | 60.98% | 61.01% | +190 bps | |
| Liquid Assets / Assets | 17.39% | 17.28% | 16.98% | 17.08% | 17.74% | +35 bps | |
| CRE / Total Capital | n/a | 101.43% | 95.90% | 95.70% | n/a | n/a | |