| Metric | Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +11.6% | +4.0% | +7.6 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 12.4% | 11.9% | +0.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $470.7M | $378.9M | $300.0M | $42.9M | $2.6M | 1.11% | 3.31% | 0.10% |
| Q1 2026 | $479.8M | $384.6M | $297.2M | $41.4M | $1.1M | 0.94% | 3.25% | 0.08% |
| Q4 2025 | $467.7M | $374.1M | $297.0M | $42.1M | $3.8M | 0.81% | 3.12% | 0.24% |
| Q3 2025 | $472.0M | $351.2M | $301.6M | $40.6M | $2.8M | 0.82% | 3.07% | 0.35% |
| Q2 2025 | $465.2M | $339.6M | $296.4M | $37.7M | $1.7M | 0.74% | 3.05% | 0.14% |
| Q1 2025 | $458.0M | $348.8M | $287.1M | $36.8M | $701K | 0.61% | 2.98% | 0.20% |
| Q4 2024 | $467.5M | $355.5M | $284.4M | $35.4M | $3.0M | 0.62% | 2.64% | 0.23% |
| Q3 2024 | $482.3M | $346.6M | $291.4M | $39.2M | $2.1M | 0.60% | 2.57% | 0.18% |
Loan mix (Q2 2026): real estate $245.0M · commercial $14.4M · consumer $5.5M · securities $117.3M
| Ratio | Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th |
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 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 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 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 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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