Maquoketa State Bank
Total assets
$429.0M
▲ +1.9% YoY
Deposits
$327.4M
▼ -0.9% YoY
Loans
$221.7M
▲ +3.5% YoY
Offices
4
OHNWARD BANCSHARES INC
ROA (annualized)
1.44%
peers 1.24%
ROE (annualized)
9.40%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Maquoketa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | -0.9% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 9.4% | 11.9% | -2.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
Profile
- Established
- 1958
- Charter
- State
- Primary regulator
- FED
- Holding company
- OHNWARD BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 203 N Main St, Maquoketa, IA, 52060
- County
- Jackson
- Offices
- 4
- FDIC cert #
- 17903
- RSSD ID
- 683449
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $429.0M | $327.4M | $221.7M | $67.5M | $3.1M | 1.44% | 3.29% | 0.29% |
| Q1 2026 | $444.5M | $343.0M | $221.3M | $66.6M | $1.6M | 1.41% | 3.15% | 0.63% |
| Q4 2025 | $433.7M | $333.3M | $216.9M | $66.3M | $5.8M | 1.35% | 3.14% | 0.44% |
| Q3 2025 | $437.7M | $336.9M | $215.0M | $64.4M | $4.2M | 1.33% | 3.11% | 0.51% |
| Q2 2025 | $421.1M | $330.3M | $214.3M | $60.8M | $2.8M | 1.35% | 3.15% | 0.61% |
| Q1 2025 | $420.5M | $328.7M | $207.0M | $59.2M | $1.4M | 1.37% | 3.25% | 0.76% |
| Q4 2024 | $420.0M | $331.5M | $201.0M | $56.7M | $3.7M | 0.89% | 2.48% | 0.51% |
| Q3 2024 | $422.5M | $325.8M | $204.9M | $59.2M | $2.6M | 0.84% | 2.42% | 0.17% |
Loan mix (Q2 2026): real estate $106.7M · commercial $29.6M · consumer $7.8M · securities $173.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Maquoketa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 62.9% | 27th | |
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% |
Balance sheet
| Ratio | Maquoketa 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% |
Capital
| Ratio | Maquoketa 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% |
Credit quality
| Ratio | Maquoketa 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% |
Franchise
| Ratio | Maquoketa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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