Osage, IA · Cert 963 · HTB Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 1.02% | 0.91% | 1.00% | 1.16% | +41 bps | |
| Return on Equity | 8.88% | 11.41% | 9.81% | 10.78% | 12.12% | +324 bps | |
| Net Interest Margin | 2.10% | 2.34% | 2.48% | 2.52% | 2.65% | +55 bps | |
| Efficiency Ratio | 53.20% | 45.28% | 54.92% | 44.75% | 45.87% | -733 bps | |
| Non-Interest Burden | 1.10% | 1.04% | 1.33% | 1.08% | 1.20% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.11% | 1.88% | -0.04% | 1.25% | 0.88% | +78 bps | |
| Loan Growth (YoY) | 1.51% | 2.42% | 4.09% | 4.07% | 5.86% | +436 bps | |
| Deposit Growth (YoY) | 5.08% | 4.86% | 3.47% | 4.54% | 2.33% | -276 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.51% | 0.33% | 0.37% | 0.80% | +24 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | 0.00% | 0.03% | 0.00% | -2 bps | |
| Allowance / Loans | 1.22% | 1.23% | 1.17% | 1.21% | 1.21% | -1 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.4x | 3.6x | 3.3x | 1.5x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.42% | 10.62% | 10.68% | 10.66% | 10.83% | +41 bps | |
| Total Risk-Based Capital | 15.94% | 16.13% | 15.96% | 15.95% | 16.33% | +38 bps | |
| Equity / Assets | 8.61% | 9.28% | 9.31% | 9.28% | 9.86% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.02% | 78.12% | 82.16% | 81.61% | 83.82% | +280 bps | |
| Liquid Assets / Assets | 2.40% | 3.50% | 0.55% | 1.89% | 0.60% | -180 bps | |
| CRE / Total Capital | n/a | 62.79% | 60.72% | 61.53% | n/a | n/a | |