| Metric | Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.7 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 11.9% | 11.9% | +0.1 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $480.5M | $392.0M | $274.5M | $70.6M | $4.1M | 1.76% | 3.41% | 0.00% |
| Q1 2026 | $464.3M | $378.6M | $263.2M | $68.3M | $1.7M | 1.44% | 3.38% | 0.01% |
| Q4 2025 | $467.0M | $380.7M | $261.9M | $69.0M | $8.2M | 1.77% | 3.30% | 0.01% |
| Q3 2025 | $454.2M | $370.7M | $263.9M | $66.9M | $6.2M | 1.79% | 3.28% | 0.01% |
| Q2 2025 | $461.0M | $377.9M | $266.9M | $68.6M | $4.0M | 1.70% | 3.19% | 0.01% |
| Q1 2025 | $464.1M | $380.2M | $272.1M | $67.1M | $1.9M | 1.65% | 3.05% | 0.01% |
| Q4 2024 | $470.0M | $382.1M | $272.8M | $64.1M | $5.9M | 1.33% | 3.03% | 0.01% |
| Q3 2024 | $439.1M | $358.7M | $267.3M | $64.6M | $4.1M | 1.24% | 3.04% | 0.00% |
Loan mix (Q2 2026): real estate $255.2M · commercial $20.0M · consumer $675K · securities $147.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52th |
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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