| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.4% | -7.1 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.5M | $246.2M | $161.7M | $27.3M | $2.0M | 1.40% | 3.70% | 0.12% |
| Q1 2026 | $287.1M | $255.6M | $158.5M | $26.9M | $1.0M | 1.46% | 3.55% | 0.12% |
| Q4 2025 | $282.7M | $250.4M | $163.6M | $27.2M | $2.9M | 1.03% | 3.27% | 0.12% |
| Q3 2025 | $281.2M | $247.5M | $152.8M | $26.7M | $2.2M | 1.06% | 3.19% | 0.24% |
| Q2 2025 | $284.3M | $247.9M | $153.2M | $26.1M | $1.6M | 1.15% | 3.15% | 0.00% |
| Q1 2025 | $285.8M | $252.9M | $159.4M | $25.4M | $813K | 1.17% | 3.08% | 0.00% |
| Q4 2024 | $270.3M | $239.5M | $165.2M | $24.3M | $2.0M | 0.77% | 3.13% | 0.01% |
| Q3 2024 | $257.1M | $228.1M | $158.4M | $25.3M | $1.6M | 0.81% | 3.13% | 0.01% |
Loan mix (Q2 2026): real estate $108.3M · commercial $9.4M · consumer $3.7M · securities $91.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Iowa State Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 62.9% | 21th |
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 Savings 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 Savings 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 Savings 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 Savings 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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