| Metric | Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.6 pts |
| Loan growth (YoY) | -4.8% | +5.6% | -10.4 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $213.3M | $187.5M | $150.8M | $24.8M | $1.6M | 1.47% | 3.17% | 1.66% |
| Q1 2026 | $217.8M | $192.4M | $157.8M | $24.5M | $879K | 1.66% | 3.25% | 1.34% |
| Q4 2025 | $204.6M | $179.4M | $163.3M | $24.1M | $3.5M | 1.75% | 3.34% | 0.52% |
| Q3 2025 | $200.4M | $175.6M | $159.6M | $23.6M | $2.6M | 1.75% | 3.31% | 0.18% |
| Q2 2025 | $198.3M | $174.3M | $158.4M | $22.9M | $1.6M | 1.65% | 3.23% | 0.17% |
| Q1 2025 | $202.2M | $176.9M | $154.0M | $22.2M | $707K | 1.42% | 3.00% | 0.48% |
| Q4 2024 | $196.0M | $170.5M | $158.3M | $21.6M | $2.7M | 1.38% | 2.91% | 0.52% |
| Q3 2024 | $195.8M | $170.5M | $157.1M | $21.6M | $2.0M | 1.37% | 2.88% | 0.59% |
Loan mix (Q2 2026): real estate $107.8M · commercial $16.1M · consumer $8.6M · securities $41.0M
| Ratio | Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 62.9% | 22th |
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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