Lake View, IA · Cert 9295 · Jems Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
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 | 0.71% | 0.86% | 0.77% | 1.05% | 1.13% | +43 bps | |
| Return on Equity | 5.17% | 6.24% | 5.55% | 7.72% | 8.24% | +307 bps | |
| Net Interest Margin | 3.16% | 3.25% | 3.27% | 3.45% | 3.44% | +28 bps | |
| Efficiency Ratio | 72.99% | 68.87% | 70.90% | 69.05% | 59.77% | -1,322 bps | |
| Non-Interest Burden | 2.28% | 2.21% | 2.29% | 2.35% | 2.02% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.09% | 2.46% | 2.59% | 5.49% | 3.21% | +212 bps | |
| Loan Growth (YoY) | 5.27% | 7.21% | 7.87% | -0.53% | 1.29% | -398 bps | |
| Deposit Growth (YoY) | 1.21% | 2.67% | 2.74% | 5.56% | 3.05% | +184 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.07% | 0.05% | -0.06% | -0.02% | -14 bps | |
| Allowance / Loans | 3.26% | 3.21% | 3.13% | 3.31% | 3.24% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.52% | 13.96% | 13.82% | 13.53% | 13.07% | -45 bps | |
| Total Risk-Based Capital | 13.52% | 13.96% | 13.82% | 13.53% | 13.07% | -45 bps | |
| Equity / Assets | 13.89% | 14.46% | 14.00% | 13.28% | 14.00% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.13% | 43.00% | 42.70% | 37.36% | 40.43% | -70 bps | |
| Liquid Assets / Assets | 61.72% | 59.68% | 58.57% | 65.13% | 59.94% | -178 bps | |
| CRE / Total Capital | n/a | 14.70% | 14.15% | 13.84% | n/a | n/a | |