| Metric | Bank Iowa | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.0 pts |
| Deposit growth (YoY) | +8.7% | +5.1% | +3.7 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 15.7% | 12.2% | +3.5 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.35B | $1.97B | $1.77B | $203.1M | $15.4M | 1.30% | 3.71% | 1.10% |
| Q1 2026 | $2.35B | $1.97B | $1.78B | $192.3M | $7.4M | 1.24% | 3.59% | 1.21% |
| Q4 2025 | $2.42B | $2.03B | $1.76B | $195.3M | $26.9M | 1.19% | 3.42% | 1.02% |
| Q3 2025 | $2.40B | $2.03B | $1.73B | $185.9M | $19.4M | 1.16% | 3.38% | 1.01% |
| Q2 2025 | $2.23B | $1.81B | $1.66B | $174.2M | $12.4M | 1.14% | 3.36% | 1.25% |
| Q1 2025 | $2.16B | $1.80B | $1.62B | $161.9M | $6.6M | 1.23% | 3.40% | 1.19% |
| Q4 2024 | $2.15B | $1.75B | $1.63B | $158.1M | $22.6M | 1.06% | 3.04% | 1.12% |
| Q3 2024 | $2.17B | $1.76B | $1.57B | $162.2M | $17.4M | 1.10% | 3.04% | 0.21% |
Loan mix (Q2 2026): real estate $1.39B · commercial $177.3M · consumer $9.4M · securities $426.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 59.0% | 60th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
25 branches in 12 counties across 1 state (+0 vs 2024) · $1.81B branch deposits. Biggest market: Page, IA, ranked 1st with 42.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Page, IA | 4 | $311.1M | 42.69% | 1st |
| Humboldt, IA | 2 | $205.2M | 46.60% | 1st |
| Chickasaw, IA | 3 | $196.2M | 29.02% | 1st |
| 9 more counties with Pro → | ||||
Iowa: 16th with 1.23% · Des Moines-West Des Moines metro: 13th, 1.20% ·
Branch count: 2022 25 · 2023 25 · 2024 25 · 2025 25