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 | |