Iowa State Bank
Algona, IA · Cert 950 · Peer group: banks under $1B in assets in IA (n=134-135) · Mid-Iowa Bancshares Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
$470.7MAssets
$304.0MLoans
$378.9MDeposits
$42.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: equity / assets trails 84% of banks under $1B in assets in IA (rank 114 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 79 of 135
Net Interest Margin
2.98%
Rank 100 of 135
Efficiency Ratio
59.05%
Rank 80 of 135
Equity / Assets
9.10%
Rank 114 of 135
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 41% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.92% | 1.19% | 1.47% | Beats 41% | 79 / 135 | | |
| Return on Equity | 12.23% | 7.99% | 10.26% | 13.14% | Beats 67% | 44 / 135 | | |
| Net Interest Margin | 2.98% | 2.95% | 3.41% | 3.73% | Beats 26% | 100 / 135 | | |
| Efficiency Ratio | 59.05% | 50.61% | 57.35% | 63.29% | Beats 41% | 80 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.03% | 0.51% | 1.26% | Beats 67% | 45 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 15.83% | 11.23% | 13.31% | 15.45% | Beats 79% | 29 / 135 | | |
| Total Risk-Based Capital Ratio | 17.05% | 11.61% | 14.06% | 16.47% | Beats 81% | 26 / 135 | | |
| Equity / Assets | 9.10% | 9.87% | 11.05% | 13.07% | Beats 16% | 114 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.25% | 68.54% | 81.55% | 91.24% | 46th pctl | 72 / 134 | | |
| Loans / Assets | 64.59% | 57.61% | 68.06% | 76.23% | 43rd pctl | 77 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |