Algona, IA · Cert 950 · Mid-Iowa Bancshares Co.
State charter, non-member · FDIC · 5 branches
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 | 0.74% | 0.82% | 0.81% | 0.94% | 1.11% | +37 bps | |
| Return on Equity | 9.39% | 10.09% | 9.74% | 10.72% | 12.44% | +305 bps | |
| Net Interest Margin | 2.72% | 2.72% | 2.77% | 2.93% | 2.98% | +26 bps | |
| Efficiency Ratio | 67.78% | 65.47% | 67.43% | 62.49% | 59.05% | -873 bps | |
| Non-Interest Burden | 1.72% | 1.65% | 1.74% | 1.70% | 1.61% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.67% | -2.14% | 0.05% | 4.75% | 1.19% | +287 bps | |
| Loan Growth (YoY) | 3.23% | 3.50% | 4.41% | 3.51% | 1.18% | -205 bps | |
| Deposit Growth (YoY) | 1.34% | 1.32% | 5.22% | 10.24% | 11.56% | +1,022 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.28% | 0.21% | 0.12% | 0.15% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.35% | 1.34% | 1.34% | -1 bps | |
| Allowance Coverage of NPLs | 8.9x | 4.7x | 6.5x | 10.9x | 8.7x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.94% | 10.95% | 11.02% | 11.04% | 11.17% | +24 bps | |
| Total Risk-Based Capital | 16.77% | 16.64% | 16.95% | 16.91% | 17.05% | +27 bps | |
| Equity / Assets | 8.10% | 8.59% | 9.00% | 8.63% | 9.10% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.48% | 87.03% | 80.49% | 78.33% | 80.25% | -823 bps | |
| Liquid Assets / Assets | 0.32% | 0.26% | 0.56% | 1.92% | 1.84% | +152 bps | |
| CRE / Total Capital | n/a | 159.20% | 152.94% | 158.06% | n/a | n/a | |