FNB Bank
Fontanelle, IA · Cert 954 · Peer group: banks under $1B in assets in IA (n=134-135) · First Fontanelle Employee STK Ownership PLAN&TR
State charter, Fed member · FED · 5 branches
Q2 2026
$274.6MAssets
$227.8MLoans
$211.3MDeposits
$43.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in IA (rank 14 of 135).
- Widest gap: return on equity trails 48% of banks under $1B in assets in IA (rank 65 of 135).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.66%
Rank 19 of 135
Net Interest Margin
4.00%
Rank 19 of 135
Efficiency Ratio
52.91%
Rank 49 of 135
Equity / Assets
15.85%
Rank 14 of 135
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 64% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.92% | 1.19% | 1.47% | Beats 86% | 19 / 135 | |
| Return on Equity | 10.45% | 7.99% | 10.26% | 13.14% | Beats 52% | 65 / 135 | |
| Net Interest Margin | 4.00% | 2.95% | 3.41% | 3.73% | Beats 86% | 19 / 135 | |
| Efficiency Ratio | 52.91% | 50.61% | 57.35% | 63.29% | Beats 64% | 49 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.51% | 1.26% | Beats 77% | 32 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 64% | 52 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 14.48% | 11.23% | 13.31% | 15.45% | Beats 64% | 49 / 135 | |
| Total Risk-Based Capital Ratio | 14.48% | 11.61% | 14.06% | 16.47% | Beats 56% | 59 / 135 | |
| Equity / Assets | 15.85% | 9.87% | 11.05% | 13.07% | Beats 90% | 14 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 107.79% | 68.54% | 81.55% | 91.24% | 95th pctl | 7 / 134 | |
| Loans / Assets | 82.94% | 57.61% | 68.06% | 76.23% | 92nd pctl | 11 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |