| Metric | Readlyn Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | -8.2% | +5.6% | -13.8 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 9.8% | 11.9% | -2.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.3M | $111.6M | $94.7M | $26.9M | $1.3M | 1.77% | 3.26% | 1.97% |
| Q1 2026 | $150.3M | $113.8M | $98.2M | $26.6M | $674K | 1.81% | 3.33% | 0.46% |
| Q4 2025 | $147.9M | $111.7M | $95.8M | $26.5M | $2.7M | 1.88% | 3.40% | 0.00% |
| Q3 2025 | $143.6M | $107.7M | $98.4M | $25.9M | $1.9M | 1.77% | 3.30% | 0.90% |
| Q2 2025 | $143.2M | $108.0M | $103.2M | $25.2M | $1.4M | 1.91% | 3.40% | 0.90% |
| Q1 2025 | $144.6M | $109.2M | $105.8M | $24.9M | $638K | 1.78% | 3.29% | 0.07% |
| Q4 2024 | $141.5M | $105.5M | $103.9M | $24.7M | $2.4M | 1.69% | 3.28% | 0.00% |
| Q3 2024 | $137.4M | $101.1M | $103.8M | $25.0M | $1.8M | 1.70% | 3.29% | 0.00% |
Loan mix (Q2 2026): real estate $48.8M · commercial $13.4M · consumer $2.6M · securities $37.4M
Nothing unusual in Q2 2026 — steady quarter.
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2 branches in 1 county across 1 state (+0 vs 2024) · $108.0M branch deposits. Biggest market: Bremer, IA, ranked 6th with 8.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bremer, IA | 2 | $108.0M | 8.63% | 6th |
Iowa: 223rd with 0.07% · Waterloo-Cedar Falls metro: 20th, 1.31% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2