United Bank of Iowa
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
$2.5BAssets
$1.7BLoans
$2.0BDeposits
$229.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of banks $1B-$10B in assets (rank 88 of 322).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets (rank 312 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $34.1M · efficiency ratio beats 59% of banks $1B-$10B in assets | 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 |