| Metric | Waukon State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.9 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $426.9M | $366.5M | $348.6M | $45.0M | $4.2M | 1.93% | 3.69% | 0.00% |
| Q1 2026 | $450.2M | $385.3M | $344.5M | $44.5M | $2.1M | 1.94% | 3.66% | 0.00% |
| Q4 2025 | $433.0M | $369.9M | $353.9M | $42.6M | $7.5M | 1.76% | 3.61% | 0.00% |
| Q3 2025 | $430.0M | $362.0M | $348.9M | $44.7M | $5.5M | 1.73% | 3.55% | 0.00% |
| Q2 2025 | $412.6M | $347.0M | $342.7M | $42.5M | $3.4M | 1.62% | 3.46% | 0.00% |
| Q1 2025 | $424.4M | $360.3M | $336.1M | $41.2M | $1.4M | 1.36% | 3.30% | 0.00% |
| Q4 2024 | $412.9M | $350.2M | $334.2M | $39.9M | $3.9M | 0.95% | 3.01% | 0.13% |
| Q3 2024 | $414.8M | $350.1M | $332.0M | $41.6M | $3.3M | 1.08% | 2.95% | 0.35% |
Loan mix (Q2 2026): real estate $276.0M · commercial $37.4M · consumer $5.6M · securities $35.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Waukon State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 62.9% | 9th |
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 | Waukon 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 | Waukon 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 | Waukon 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 | Waukon State 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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