Ida Grove, IA · Cert 958 · Ida Grove Bancshares Inc.
State charter, non-member · FDIC · 38 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
65
Profitability
32
Liquidity
90
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ida Grove, IA · Cert 958 · Ida Grove Bancshares Inc.
State charter, non-member · FDIC · 38 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 2.1% share · #15 of 28 inst. · $0.1B of $4.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.68% | 0.76% | 0.86% | 0.87% | 0.96% | 1.02% | 1.05% | +20 bps | |
| Return on Equity | 7.98% | 9.02% | 9.55% | 10.57% | 10.53% | 11.41% | 11.35% | 11.64% | +108 bps | |
| Net Interest Margin | 2.04% | 2.03% | 2.25% | 2.31% | 2.39% | 2.40% | 2.64% | 2.70% | +40 bps | |
| Efficiency Ratio | 66.89% | 64.55% | 63.70% | 60.88% | 60.78% | 58.89% | 56.89% | 56.90% | -398 bps | |
| Non-Interest Burden | 1.22% | 1.13% | 1.26% | 1.21% | 1.25% | 1.17% | 1.29% | 1.33% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | -0.54% | 2.11% | 1.03% | 1.30% | 3.05% | 2.11% | 3.27% | +224 bps | |
| Loan Growth (YoY) | -1.16% | -0.82% | 0.78% | 2.92% | 4.67% | 4.20% | 5.40% | 4.94% | +202 bps | |
| Deposit Growth (YoY) | 2.46% | 2.07% | 3.80% | 2.03% | 2.13% | 2.89% | 1.49% | 3.76% | +173 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.30% | 0.30% | 0.36% | 0.27% | 0.28% | 0.30% | 0.26% | -10 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 0.01% | 0.02% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.37% | 1.36% | 1.39% | 1.39% | 1.38% | 1.37% | 1.36% | 1.37% | -2 bps | |
| Allowance Coverage of NPLs | 4.1x | 4.5x | 4.6x | 3.8x | 5.1x | 4.9x | 4.5x | 5.3x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.58% | 9.80% | 9.78% | 10.14% | 10.08% | 10.41% | 10.34% | +56 bps | |
| Total Risk-Based Capital | 9.57% | 9.58% | 9.80% | 9.78% | 10.14% | 10.08% | 10.41% | 10.34% | +56 bps | |
| Equity / Assets | 8.03% | 7.78% | 8.03% | 8.50% | 8.75% | 8.98% | 9.01% | 9.18% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.74% | 83.33% | 80.38% | 84.64% | 83.77% | 84.39% | 83.48% | 85.60% | +96 bps | |
| Liquid Assets / Assets | 11.11% | 9.13% | 12.13% | 8.30% | 9.74% | 8.80% | 10.50% | 7.75% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 27.66% | 27.79% | 25.90% | n/a | n/a | |
Ida Grove, IA · Cert 958 · Peer group: banks $1B-$10B in assets (n=322-328) · Ida Grove Bancshares Inc.
State charter, non-member · FDIC · 38 branches
Q2 2026
Return on Assets
1.06%
Rank 215 of 328
Net Interest Margin
2.70%
Rank 288 of 328
Efficiency Ratio
57.31%
Rank 134 of 328
Equity / Assets
9.18%
Rank 245 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.91% | 1.22% | 1.52% | Beats 34% | 215 / 328 | ||
| Return on Equity | 11.52% | 8.43% | 11.45% | 14.43% | Beats 51% | 160 / 328 | ||
| Net Interest Margin | 2.70% | 3.03% | 3.45% | 3.83% | Beats 12% | 288 / 328 | ||
| Efficiency Ratio | 57.31% | 51.61% | 59.56% | 67.53% | Beats 59% | 134 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.24% | 0.51% | 1.03% | Beats 73% | 88 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 57% | 138 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.34% | 11.75% | 13.15% | 15.47% | Beats 7% | 304 / 328 | ||
| Total Risk-Based Capital Ratio | 10.34% | 12.63% | 14.15% | 16.46% | Beats 5% | 312 / 328 | ||
| Equity / Assets | 9.18% | 9.15% | 10.33% | 12.01% | Beats 25% | 245 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.60% | 76.63% | 87.92% | 95.36% | 45th pctl | 179 / 323 | ||
| Loans / Assets | 67.17% | 65.18% | 74.15% | 79.98% | 29th pctl | 232 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||