| Metric | Siouxland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | -12.2% | +2.6% | -14.8 pts |
| ROA | 1.55% | 0.99% | +0.6 pts |
| ROE | 12.8% | 8.1% | +4.7 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.3M | $76.4M | $29.1M | $11.1M | $686K | 1.55% | 3.59% | 0.00% |
| Q1 2026 | $90.1M | $78.6M | $29.0M | $10.7M | $334K | 1.51% | 3.58% | 0.00% |
| Q4 2025 | $86.6M | $75.4M | $30.2M | $10.4M | $1.4M | 1.65% | 3.67% | 0.00% |
| Q3 2025 | $88.2M | $77.3M | $30.6M | $10.0M | $1.0M | 1.55% | 3.64% | 0.00% |
| Q2 2025 | $84.1M | $73.5M | $33.1M | $9.7M | $660K | 1.54% | 3.62% | 0.00% |
| Q1 2025 | $90.5M | $80.3M | $33.8M | $9.4M | $309K | 1.42% | 3.53% | 0.00% |
| Q4 2024 | $83.2M | $73.3M | $32.5M | $9.1M | $1.2M | 1.44% | 3.46% | 0.00% |
| Q3 2024 | $88.6M | $78.9M | $31.1M | $8.8M | $935K | 1.48% | 3.36% | 0.10% |
Loan mix (Q2 2026): real estate $17.8M · commercial $4.2M · consumer $1.8M · securities $46.9M
| Ratio | Siouxland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 8.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.7% | 70.8% | 4th |
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 | Siouxland 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 | Siouxland 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 | Siouxland 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 | Siouxland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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