| Metric | Iowa Falls State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.19% | 1.24% | -0.1 pts |
| ROE | 7.8% | 11.9% | -4.0 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.5M | $162.8M | $97.6M | $30.6M | $1.2M | 1.19% | 4.14% | 0.12% |
| Q1 2026 | $204.2M | $157.6M | $99.2M | $30.2M | $603K | 1.19% | 4.13% | 0.13% |
| Q4 2025 | $202.3M | $160.7M | $98.5M | $31.0M | $2.4M | 1.21% | 4.07% | 0.17% |
| Q3 2025 | $202.8M | $156.9M | $100.0M | $30.4M | $1.9M | 1.29% | 4.07% | 0.17% |
| Q2 2025 | $192.6M | $152.4M | $92.2M | $29.7M | $1.4M | 1.48% | 4.05% | 0.22% |
| Q1 2025 | $192.9M | $151.2M | $89.1M | $29.3M | $906K | 1.92% | 4.01% | 0.23% |
| Q4 2024 | $184.3M | $141.5M | $88.0M | $29.0M | $1.6M | 0.89% | 4.36% | 0.27% |
| Q3 2024 | $183.8M | $143.3M | $87.4M | $29.9M | $1.1M | 0.82% | 4.36% | 0.27% |
Loan mix (Q2 2026): real estate $77.4M · commercial $10.4M · consumer $1.4M · securities $82.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Iowa Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 62.9% | 20th |
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 | Iowa Falls State Bank | 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 | Iowa Falls State Bank | 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 | Iowa Falls State Bank | 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 | Iowa Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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