| Metric | United Bank of Iowa | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +3.8% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -1.0 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 14.3% | 12.2% | +2.1 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.50B | $1.96B | $1.65B | $229.0M | $16.1M | 1.29% | 2.95% | 0.18% |
| Q1 2026 | $2.53B | $1.99B | $1.64B | $228.2M | $7.8M | 1.25% | 2.85% | 0.20% |
| Q4 2025 | $2.48B | $1.95B | $1.62B | $222.8M | $28.7M | 1.17% | 2.65% | 0.19% |
| Q3 2025 | $2.48B | $1.94B | $1.60B | $217.3M | $19.5M | 1.06% | 2.60% | 0.18% |
| Q2 2025 | $2.42B | $1.89B | $1.58B | $205.5M | $12.7M | 1.05% | 2.57% | 0.25% |
| Q1 2025 | $2.48B | $1.96B | $1.55B | $199.4M | $5.6M | 0.92% | 2.45% | 0.20% |
| Q4 2024 | $2.41B | $1.89B | $1.55B | $187.2M | $20.2M | 0.83% | 2.25% | 0.21% |
| Q3 2024 | $2.45B | $1.90B | $1.53B | $197.1M | $13.2M | 0.73% | 2.21% | 0.22% |
Loan mix (Q2 2026): real estate $1.07B · commercial $80.5M · consumer $47.4M · securities $650.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Bank of Iowa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 59.0% | 42th |
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 | United Bank of Iowa | 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 | United Bank of Iowa | 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 | United Bank of Iowa | 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 | United Bank of Iowa | 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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