| Metric | West Iowa Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +33.8% | +4.4% | +29.4 pts |
| Deposit growth (YoY) | +38.2% | +4.0% | +34.2 pts |
| Loan growth (YoY) | +44.6% | +5.6% | +39.0 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.1M | $183.0M | $129.6M | $28.5M | $1.2M | 1.25% | 3.48% | 0.01% |
| Q1 2026 | $169.3M | $136.5M | $93.9M | $27.8M | $538K | 1.27% | 3.50% | 0.00% |
| Q4 2025 | $169.6M | $131.6M | $93.9M | $27.7M | $2.5M | 1.46% | 3.43% | 0.00% |
| Q3 2025 | $162.4M | $129.8M | $88.4M | $26.3M | $1.5M | 1.20% | 3.42% | 0.00% |
| Q2 2025 | $166.0M | $132.4M | $89.6M | $25.1M | $982K | 1.16% | 3.36% | 0.01% |
| Q1 2025 | $172.5M | $139.5M | $91.1M | $24.4M | $490K | 1.14% | 3.24% | 0.17% |
| Q4 2024 | $171.1M | $137.1M | $91.1M | $23.6M | $2.1M | 1.22% | 3.25% | 0.14% |
| Q3 2024 | $173.5M | $138.8M | $91.3M | $24.0M | $1.6M | 1.25% | 3.28% | 0.14% |
Loan mix (Q2 2026): real estate $71.1M · commercial $8.0M · consumer $1.8M · securities $78.3M
| Ratio | West Iowa Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 62.9% | 26th |
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 | West Iowa 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 | West Iowa 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 | West Iowa 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 | West Iowa 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 | West Iowa 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| May 15, 2026 | Acquirer | — | Merger | Completed | FDIC |
Technology spend in line with peers (14 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
6 branches in 4 counties across 1 state (+1 vs 2025) · $183.0M branch deposits. Biggest market: Kossuth, IA, ranked 4th with 11.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kossuth, IA | 3 | $108.1M | 11.06% | 4th |
| Clay, IA | 1 | $47.9M | 3.82% | 6th |
| Pocahontas, IA | 1 | $20.2M | 5.77% | 5th |
| 1 more county with Pro → | ||||
Iowa: 167th with 0.12% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6