| Metric | Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 1.60% | 1.26% | +0.3 pts |
| ROE | 15.2% | 12.2% | +3.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.26B | $873.0M | $893.8M | $137.2M | $10.0M | 1.60% | 3.68% | 0.04% |
| Q1 2026 | $1.23B | $894.8M | $866.1M | $129.3M | $4.7M | 1.49% | 3.64% | 0.18% |
| Q4 2025 | $1.26B | $917.0M | $865.4M | $129.1M | $18.2M | 1.50% | 3.47% | 0.18% |
| Q3 2025 | $1.25B | $870.2M | $859.0M | $120.7M | $12.5M | 1.40% | 3.44% | 0.41% |
| Q2 2025 | $1.20B | $882.8M | $841.6M | $114.0M | $8.1M | 1.37% | 3.40% | 1.08% |
| Q1 2025 | $1.16B | $916.5M | $788.5M | $109.5M | $3.8M | 1.29% | 3.36% | 3.02% |
| Q4 2024 | $1.16B | $888.4M | $785.0M | $107.2M | $13.9M | 1.22% | 3.28% | 1.86% |
| Q3 2024 | $1.18B | $824.0M | $785.3M | $109.0M | $10.6M | 1.24% | 3.27% | 2.04% |
Loan mix (Q2 2026): real estate $632.7M · commercial $84.1M · consumer $11.7M · securities $274.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 59.0% | 13th |
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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