Fort Madison, IA · Cert 955 · Fort Madison Financial Co.
State charter, Fed member · FED · 5 branches
Q2 2026
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 | 0.91% | 0.74% | 1.21% | 1.25% | 1.31% | 1.07% | 1.43% | 1.42% | +17 bps | |
| Return on Equity | 9.59% | 7.61% | 12.45% | 12.80% | 13.17% | 10.73% | 14.34% | 13.97% | +118 bps | |
| Net Interest Margin | 2.84% | 2.82% | 3.24% | 3.39% | 3.46% | 3.45% | 3.42% | 3.58% | +20 bps | |
| Efficiency Ratio | 63.41% | 70.63% | 57.31% | 55.60% | 54.39% | 61.36% | 53.41% | 54.65% | -95 bps | |
| Non-Interest Burden | 1.63% | 1.86% | 1.65% | 1.68% | 1.67% | 1.92% | 1.56% | 1.70% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.93% | 1.19% | 2.09% | 2.74% | 4.17% | 10.54% | 4.87% | 5.07% | +233 bps | |
| Loan Growth (YoY) | 5.33% | 5.20% | 6.87% | 6.57% | 8.75% | 7.45% | 5.80% | 3.35% | -322 bps | |
| Deposit Growth (YoY) | 7.62% | 2.34% | 3.49% | 3.68% | 4.99% | 10.82% | 4.03% | 4.85% | +117 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.31% | 0.33% | 0.38% | 0.40% | 0.39% | 0.37% | 0.26% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.09% | 0.04% | +4 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.11% | 1.11% | 1.11% | 1.14% | 1.14% | 1.15% | +4 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.6x | 3.4x | 2.9x | 2.8x | 2.9x | 3.0x | 4.5x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.19% | 9.63% | 9.77% | 9.89% | 9.70% | 9.40% | 9.98% | +21 bps | |
| Total Risk-Based Capital | 12.27% | 12.19% | 12.02% | 12.16% | 12.36% | 12.32% | 12.39% | 12.71% | +55 bps | |
| Equity / Assets | 9.58% | 9.90% | 9.61% | 9.94% | 9.98% | 9.92% | 9.98% | 10.29% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.53% | 107.85% | 102.63% | 106.79% | 105.17% | 104.56% | 104.38% | 105.26% | -153 bps | |
| Liquid Assets / Assets | 4.30% | 0.20% | 3.80% | 1.12% | 2.42% | 2.83% | 3.17% | 2.50% | +138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 313% | 306% | n/a | n/a | |