| 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
| 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
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Maquoketa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63rd | |
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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Maquoketa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2025) · $327.4M branch deposits. Biggest market: Jackson, IA, ranked 1st with 41.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, IA | 4 | $327.4M | 41.52% | 1st |
Iowa: 103rd with 0.21% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (15 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).