New Albin Savings Bank
Total assets
$350.6M
▲ +3.9% YoY
Deposits
$296.6M
▲ +5.0% YoY
Loans
$117.4M
▲ +4.4% YoY
Offices
1
ROA (annualized)
1.04%
peers 1.24%
ROE (annualized)
7.00%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | New Albin Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.1 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
Profile
- Established
- 1898
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Agricultural Specialization
- Address
- 118 Main St Ne, New Albin, IA, 52160
- County
- Allamakee
- Offices
- 1
- FDIC cert #
- 8506
- RSSD ID
- 234841
- 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 | $350.6M | $296.6M | $117.4M | $51.9M | $1.8M | 1.04% | 1.95% | 0.00% |
| Q1 2026 | $348.3M | $295.5M | $116.6M | $51.6M | $876K | 1.01% | 1.89% | 0.02% |
| Q4 2025 | $343.9M | $289.4M | $114.7M | $51.7M | $2.9M | 0.87% | 1.76% | 0.00% |
| Q3 2025 | $340.7M | $286.1M | $114.4M | $51.4M | $2.1M | 0.86% | 1.73% | 0.01% |
| Q2 2025 | $337.3M | $282.5M | $112.4M | $48.8M | $1.4M | 0.84% | 1.67% | 0.01% |
| Q1 2025 | $331.3M | $280.5M | $111.2M | $47.8M | $657K | 0.80% | 1.63% | 0.04% |
| Q4 2024 | $324.5M | $273.7M | $113.1M | $45.9M | $2.6M | 0.82% | 1.61% | 0.01% |
| Q3 2024 | $324.8M | $269.2M | $113.6M | $50.3M | $2.1M | 0.86% | 1.61% | 0.01% |
Loan mix (Q2 2026): real estate $95.2M · commercial $6.5M · consumer $3.7M · securities $226.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | New Albin Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.95% | 3.96% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.6% | 62.9% | 1th | |
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 | New Albin 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% |
Capital
| Ratio | New Albin 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% |
Credit quality
| Ratio | New Albin 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% |
Franchise
| Ratio | New Albin Savings 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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