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Leighton State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 10118

Pella, IA

4 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +7.0% year over year ($254.4M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 1.80%.
  • Efficiency ratio 58.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Leighton State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 20.9% in tier
  • + Profitability Leader: Top 36.9% in tier
  • + Efficiency Ratio 6.39% below tier average
  • + Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.26% below tier average
Get updates when Leighton State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $298.2M
+6.9% YoY +1.6% QoQ
-$88.4M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $219.6M
+8.5% YoY +1.2% QoQ
-$38.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $254.4M
+7.0% YoY +2.3% QoQ
-$72.3M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.80%
+32.0% YoY +7.5% QoQ
+0.48% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 3.73%
+16.6% YoY +2.3% QoQ
-0.26% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 58.09%
-9.4% YoY -4.9% QoQ
-6.39% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.79%
-44.3% YoY -1.7% QoQ
-0.12% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 86.31%
+1.4% YoY -1.0% QoQ
+8.36% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 10.71%
+2.9% YoY -1.9% QoQ
-11.32% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 12.0% in tier
Nonperforming Asset Ratio ? 0.59%
-43.5% YoY -2.1% QoQ
-0.08% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 10.99%
-22.7% YoY -23.4% QoQ
-4.92% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.62%
-0.6% YoY +81.6% QoQ
+0.05% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 6.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 10.7%
+0.3pp YoY
-0.2pp QoQ
 -11.4pp 22.1% 17.8% 22.2% 12%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 6.0% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 13.2%
-0.2pp YoY
-0.2pp QoQ
 +1.6pp 11.6% 12.8% 12.5% 69%
CRE 23.7%
+2.6pp YoY
+0.7pp QoQ
 -15.8pp 39.5% 28.3% 41.4% 24%
1-4 Family 28.1%
-1.2pp YoY
+0.3pp QoQ
 -4.5pp 32.6% 23.0% 31.3% 47%
Consumer 0.7%
-0.2pp YoY
0.0pp QoQ
 -3.4pp 4.1% 2.9% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 11.0%
+0.1pp YoY
-0.1pp QoQ
 -1.2pp 12.2% 12.4% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 44
0 YoY
+4 (+10.0%) QoQ
 -15 58 64 482 46%
Assets per Employee ($) $6.8M
+6.9% YoY
-7.6% QoQ
 -$741K $7.5M $8.9M $8.8M 48%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.8%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.9% 1.0% 1.0% 66%
Allowance Coverage 1.12x
+54.2% YoY
+5.5% QoQ
 -23.04x 24.15x 18.97x 20.23x 30%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 15.9%
+3.1pp YoY
+1.0pp QoQ
 +3.7pp 12.2% 12.8% 11.6% 72%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 72%
Net Income ($, YTD) $2.6M
+39.2% YoY
— QoQ
 +$92K $2.6M $4.0M $40.4M 64%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#139 of 661 • Top 20.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.62%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#245 of 661 • Top 36.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

173
Non-Interest Income / Assets
revenue_mix
Value: 0.62%
Peer Median: 0.57%
#173 of 2643 Top 6.5% in $100M-$1B
528
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.32%
#528 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (2 metrics)

2327
Non-Interest-Bearing Deposit Share
funding
Value: 10.71%
Peer Median: 22.03%
#2327 of 2643 Bottom 12.0% in $100M-$1B
2031
Tier 1 Capital Ratio
capital
Value: 10.99%
Peer Median: 15.91%
#2031 of 2643 Bottom 23.2% in $100M-$1B
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