| Metric | Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 2.38% | 1.24% | +1.1 pts |
| ROE | 21.8% | 11.9% | +10.0 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $392.9M | $339.9M | $261.6M | $43.0M | $4.6M | 2.38% | 3.90% | 1.84% |
| Q1 2026 | $389.6M | $337.5M | $269.6M | $42.3M | $3.0M | 3.10% | 4.78% | 1.96% |
| Q4 2025 | $375.9M | $329.5M | $262.1M | $40.9M | $6.1M | 1.67% | 3.12% | 2.43% |
| Q3 2025 | $371.1M | $324.0M | $264.1M | $41.5M | $4.7M | 1.71% | 3.11% | 2.76% |
| Q2 2025 | $362.3M | $317.3M | $258.0M | $39.8M | $3.1M | 1.73% | 3.09% | 2.70% |
| Q1 2025 | $364.5M | $322.2M | $253.8M | $37.6M | $1.3M | 1.45% | 3.05% | 2.33% |
| Q4 2024 | $362.0M | $320.7M | $256.1M | $36.9M | $3.7M | 1.00% | 2.56% | 2.22% |
| Q3 2024 | $371.2M | $322.9M | $256.3M | $38.7M | $2.8M | 0.99% | 2.47% | 3.02% |
Loan mix (Q2 2026): real estate $139.5M · commercial $44.0M · consumer $4.9M · securities $98.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.8% | 62.9% | 2nd |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $317.3M branch deposits. Biggest market: Butler, IA, ranked 1st with 54.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Butler, IA | 3 | $317.3M | 54.29% | 1st |
Iowa: 100th with 0.22% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3