Manchester, IA · Cert 9298 · Dunn Investment Co.
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
59
Profitability
46
Liquidity
61
Efficiency
63
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Manchester, IA · Cert 9298 · Dunn Investment Co.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 2.2% share · #10 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.88% | 1.08% | 1.09% | 0.50% | 0.60% | 0.92% | 0.95% | -14 bps | |
| Return on Equity | 6.77% | 7.56% | 8.78% | 8.73% | 4.03% | 4.84% | 7.12% | 7.51% | -122 bps | |
| Net Interest Margin | 3.40% | 3.42% | 3.71% | 3.76% | 3.99% | 4.06% | 4.31% | 4.24% | +49 bps | |
| Efficiency Ratio | 66.06% | 65.29% | 65.19% | 65.30% | 61.89% | 65.44% | 59.52% | 53.62% | -1,168 bps | |
| Non-Interest Burden | 2.16% | 2.14% | 2.33% | 2.37% | 2.37% | 2.56% | 2.46% | 2.16% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.60% | 1.13% | -2.03% | 1.72% | -2.39% | -1.66% | -0.79% | 3.76% | +205 bps | |
| Loan Growth (YoY) | 0.21% | -0.28% | 1.64% | -3.22% | 0.79% | 2.38% | 3.63% | 14.28% | +1,750 bps | |
| Deposit Growth (YoY) | 8.25% | -2.03% | -5.26% | 2.69% | -1.05% | 0.10% | 0.76% | 0.36% | -233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.09% | 1.82% | 1.62% | 2.17% | 0.79% | 0.36% | 1.64% | 1.70% | -47 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 1.31% | 1.23% | -0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 1.89% | 1.83% | 1.84% | 1.92% | 1.94% | 1.57% | 1.80% | 2.09% | +17 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.1x | 0.9x | 2.5x | 4.4x | 1.1x | 1.2x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.58% | 12.35% | 13.04% | 13.13% | 12.51% | 12.73% | 13.17% | 12.41% | -72 bps | |
| Total Risk-Based Capital | 16.50% | 15.43% | 17.33% | 17.16% | 16.35% | 15.29% | 16.79% | 14.92% | -224 bps | |
| Equity / Assets | 11.49% | 11.95% | 12.54% | 12.80% | 11.91% | 12.79% | 12.96% | 12.17% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.95% | 82.70% | 82.45% | 78.48% | 76.34% | 84.59% | 84.80% | 89.37% | +1,089 bps | |
| Liquid Assets / Assets | 7.66% | 1.27% | 2.17% | 7.61% | 6.57% | 1.63% | 1.49% | 1.29% | -633 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 163.78% | 162.21% | 162.86% | n/a | n/a | |
Manchester, IA · Cert 9298 · Peer group: banks under $1B in assets in IA (n=134-135) · Dunn Investment Co.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
0.93%
Rank 101 of 135
Net Interest Margin
4.24%
Rank 9 of 135
Efficiency Ratio
53.62%
Rank 51 of 135
Equity / Assets
12.17%
Rank 47 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.92% | 1.19% | 1.47% | Beats 25% | 101 / 135 | ||
| Return on Equity | 7.61% | 7.99% | 10.26% | 13.14% | Beats 21% | 106 / 135 | ||
| Net Interest Margin | 4.24% | 2.95% | 3.41% | 3.73% | Beats 93% | 9 / 135 | ||
| Efficiency Ratio | 53.62% | 50.61% | 57.35% | 63.29% | Beats 63% | 51 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.70% | 0.03% | 0.51% | 1.26% | Beats 17% | 112 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.66% | 11.23% | 13.31% | 15.45% | Beats 56% | 59 / 135 | ||
| Total Risk-Based Capital Ratio | 14.92% | 11.61% | 14.06% | 16.47% | Beats 63% | 50 / 135 | ||
| Equity / Assets | 12.17% | 9.87% | 11.05% | 13.07% | Beats 65% | 47 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.37% | 68.54% | 81.55% | 91.24% | 67th pctl | 44 / 134 | ||
| Loans / Assets | 74.77% | 57.61% | 68.06% | 76.23% | 70th pctl | 41 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||