Fontanelle, IA · Cert 954 · First Fontanelle Employee STK Ownership PLAN&TR
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.6% share · #23 of 28 inst. · $0.0B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.03% | 1.21% | 1.43% | 1.48% | 1.00% | 1.67% | 1.63% | +20 bps | |
| Return on Equity | 7.19% | 7.48% | 8.67% | 9.96% | 9.97% | 6.59% | 10.81% | 10.43% | +47 bps | |
| Net Interest Margin | 3.36% | 3.35% | 3.56% | 3.80% | 3.92% | 3.89% | 3.95% | 4.07% | +28 bps | |
| Efficiency Ratio | 66.40% | 66.25% | 61.41% | 56.23% | 54.52% | 68.13% | 52.69% | 53.12% | -311 bps | |
| Non-Interest Burden | 2.05% | 1.98% | 1.98% | 1.92% | 1.90% | 2.47% | 1.80% | 1.94% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 2.45% | 6.99% | 1.65% | 1.86% | 0.21% | 0.17% | 1.35% | -29 bps | |
| Loan Growth (YoY) | 2.32% | 3.11% | 6.70% | 3.75% | 4.61% | 4.29% | 4.55% | 5.39% | +164 bps | |
| Deposit Growth (YoY) | 6.88% | -0.70% | 2.39% | -2.07% | -1.55% | 0.67% | -0.10% | -1.79% | +28 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.03% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | -0.43% | -0.10% | -0.12% | -0.04% | -0.03% | -0.13% | -0.01% | -0.01% | +4 bps | |
| Allowance / Loans | 2.00% | 1.99% | 1.99% | 2.01% | 1.98% | 1.98% | 1.95% | 1.94% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 103.6x | 107.9x | 56.0x | 110.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.95% | 13.00% | 13.09% | 13.45% | 13.96% | 14.29% | 14.20% | 14.48% | +103 bps | |
| Total Risk-Based Capital | 12.95% | 13.00% | 13.09% | 13.45% | 13.96% | 14.29% | 14.20% | 14.48% | +103 bps | |
| Equity / Assets | 13.79% | 13.86% | 13.95% | 14.73% | 14.94% | 15.44% | 15.45% | 15.85% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.29% | 101.44% | 98.18% | 100.45% | 105.50% | 105.08% | 102.75% | 107.79% | +734 bps | |
| Liquid Assets / Assets | 0.65% | 0.80% | 2.58% | 1.79% | 1.01% | 0.55% | 2.83% | 0.44% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.34% | 29.63% | 30.16% | n/a | n/a | |