Ohnward Bank & Trust
Total assets
$499.1M
▲ +8.6% YoY
Deposits
$417.6M
▲ +9.8% YoY
Loans
$388.1M
▲ +11.9% YoY
Offices
6
OHNWARD BANCSHARES INC
ROA (annualized)
1.39%
peers 1.24%
ROE (annualized)
11.47%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Ohnward Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- OHNWARD BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 332 1st Ave W, Cascade, IA, 52033
- County
- Dubuque
- Metro area
- Dubuque, IA
- Offices
- 6
- FDIC cert #
- 10111
- RSSD ID
- 761543
- 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 | $499.1M | $417.6M | $388.1M | $60.6M | $3.4M | 1.39% | 4.00% | 0.47% |
| Q1 2026 | $489.2M | $408.8M | $376.7M | $59.4M | $1.7M | 1.37% | 3.94% | 0.50% |
| Q4 2025 | $482.0M | $403.8M | $363.8M | $58.1M | $5.7M | 1.22% | 3.80% | 0.44% |
| Q3 2025 | $477.1M | $399.4M | $352.3M | $56.6M | $4.0M | 1.17% | 3.74% | 0.43% |
| Q2 2025 | $459.5M | $380.4M | $346.7M | $54.3M | $2.6M | 1.13% | 3.66% | 0.61% |
| Q1 2025 | $457.3M | $385.5M | $338.9M | $52.7M | $1.2M | 1.06% | 3.55% | 0.50% |
| Q4 2024 | $439.5M | $367.6M | $333.8M | $50.7M | $4.4M | 1.04% | 3.43% | 0.45% |
| Q3 2024 | $445.4M | $365.9M | $322.0M | $51.0M | $3.2M | 1.00% | 3.36% | 0.00% |
Loan mix (Q2 2026): real estate $262.3M · commercial $54.7M · consumer $8.1M · securities $81.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Ohnward Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 62.9% | — | |
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 | Ohnward Bank & Trust | 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 | Ohnward Bank & Trust | 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 | Ohnward Bank & Trust | 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 | Ohnward Bank & Trust | 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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