| Metric | Pocahontas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +20.3% | +5.6% | +14.7 pts |
| ROA | 0.50% | 1.24% | -0.7 pts |
| ROE | 1.8% | 11.9% | -10.0 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.6M | $83.1M | $43.7M | $34.1M | $311K | 0.50% | 2.57% | 0.70% |
| Q1 2026 | $127.4M | $92.7M | $42.6M | $33.9M | $587K | 1.88% | 2.94% | 0.02% |
| Q4 2025 | $122.6M | $85.9M | $40.8M | $33.7M | $1.9M | 1.59% | 2.65% | 0.02% |
| Q3 2025 | $124.6M | $90.9M | $38.2M | $32.9M | $1.4M | 1.59% | 2.60% | 0.00% |
| Q2 2025 | $114.7M | $82.0M | $36.4M | $31.7M | $927K | 1.56% | 2.58% | 0.00% |
| Q1 2025 | $122.5M | $90.2M | $35.4M | $31.5M | $467K | 1.54% | 2.51% | 0.00% |
| Q4 2024 | $119.5M | $87.4M | $37.2M | $31.2M | $1.5M | 1.31% | 2.28% | 0.17% |
| Q3 2024 | $122.9M | $90.7M | $36.4M | $31.4M | $1.1M | 1.32% | 2.26% | 0.17% |
Loan mix (Q2 2026): real estate $23.9M · commercial $4.3M · consumer $700K · securities $73.1M
| Ratio | Pocahontas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.5% | 62.9% | 1st |
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 | Pocahontas 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 | Pocahontas 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 | Pocahontas 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 | Pocahontas 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 | Pocahontas 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.
2 branches in 1 county across 1 state (-1 vs 2024) · $82.0M branch deposits. Biggest market: Pocahontas, IA, ranked 2nd with 24.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pocahontas, IA | 2 | $82.0M | 24.29% | 2nd |
Iowa: 249th with 0.06% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 2