| Metric | BankIowa | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -1.9 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.5 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.8 pts |
| ROA | 1.60% | 1.28% | +0.3 pts |
| ROE | 13.0% | 12.4% | +0.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $846.2M | $712.7M | $687.6M | $105.5M | $6.7M | 1.60% | 4.14% | 0.82% |
| Q1 2026 | $836.5M | $705.4M | $677.3M | $102.4M | $3.2M | 1.54% | 4.10% | 0.37% |
| Q4 2025 | $823.6M | $688.6M | $674.3M | $101.0M | $11.5M | 1.39% | 3.87% | 0.38% |
| Q3 2025 | $827.5M | $677.8M | $683.7M | $98.9M | $8.1M | 1.31% | 3.75% | 0.52% |
| Q2 2025 | $821.2M | $673.6M | $677.0M | $95.3M | $5.0M | 1.21% | 3.63% | 0.16% |
| Q1 2025 | $853.2M | $697.5M | $669.0M | $93.2M | $2.3M | 1.10% | 3.44% | 0.33% |
| Q4 2024 | $820.0M | $641.6M | $637.8M | $90.4M | $7.4M | 0.88% | 3.16% | 0.60% |
| Q3 2024 | $832.9M | $652.5M | $637.7M | $90.5M | $5.3M | 0.84% | 3.10% | 1.00% |
Loan mix (Q2 2026): real estate $461.0M · commercial $109.4M · consumer $8.3M · securities $105.6M
| Ratio | BankIowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 61.2% | 51th |
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 | BankIowa | 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 | BankIowa | 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 | BankIowa | 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 | BankIowa | 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.