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Availa Bank

$1B-$10B Specialty: Agricultural IA FDIC cert 11771

Designations: ✓ Community bank

Carroll, IA

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
  • Deposits +4.4% year over year ($1.4B on the books).
  • Delinquency rate 0.26%.
  • Return on assets 0.95%.
  • Efficiency ratio 60.86% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.83% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

Availa Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.1% in tier
  • - Credit Risk Growth: Bottom 24.9% in tier
  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.82% below tier average
  • - Efficiency Ratio 1.13% above tier average
Get updates when Availa 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 ? $1.7B
+5.0% YoY -0.3% QoQ
-$1.1B $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $1.2B
+5.9% YoY -1.1% QoQ
-$786.4M $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $1.4B
+4.4% YoY -0.1% QoQ
-$898.1M $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 0.95%
+54.6% YoY +1.4% QoQ
-0.44% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.05%
+10.9% YoY +2.5% QoQ
-0.82% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 60.86%
-9.6% YoY +1.4% QoQ
+1.13% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.26%
+49.4% YoY -5.8% QoQ
-0.60% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 82.83%
+1.4% YoY -1.0% QoQ
-2.20% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 12.93%
-2.4% YoY -1.4% QoQ
-8.35% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.18%
-37.3% YoY -6.6% QoQ
-0.50% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 12.55%
+4.5% YoY +3.5% QoQ
-2.29% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.16%
+17.4% YoY +79.6% QoQ
-0.36% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
23%

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 12.9%
-0.3pp YoY
-0.2pp QoQ
 -8.4pp 21.4% 17.8% 22.2% 18%
Brokered Deposits 7.4%
+0.6pp YoY
-0.4pp QoQ
 -2.1pp 9.5% 6.0% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.4%
-0.9pp YoY
-0.3pp QoQ
 -3.7pp 14.0% 12.8% 12.5% 46%
CRE 39.1%
+1.3pp YoY
-0.2pp QoQ
 -10.9pp 50.0% 28.3% 41.4% 22%
1-4 Family 19.1%
+1.7pp YoY
+0.8pp QoQ
 -7.3pp 26.4% 23.0% 31.3% 40%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 2.9% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 12.6%
+0.5pp YoY
+0.4pp QoQ
 -3.0pp 15.6% 15.4% 19.7% 33%
Leverage Ratio 9.3%
+0.2pp YoY
0.0pp QoQ
 -2.0pp 11.3% 12.4% 12.6% 19%
Total Capital Ratio 13.7%
+0.6pp YoY
+0.4pp QoQ
 -3.0pp 16.7% 16.5% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 179
+5 (+2.9%) YoY
+3 (+1.7%) QoQ
 -135 313 64 482 34%
Assets per Employee ($) $9.7M
+2.0% YoY
-1.9% QoQ
 -$803K $10.5M $8.9M $8.8M 62%
Branch Count 15
0 YoY
0 QoQ
 -5 20 5 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 26%
Nonaccrual 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 1.0% 1.0% 27%
Allowance Coverage 4.54x
-34.0% YoY
+3.4% QoQ
 -14.17x 18.71x 18.97x 20.23x 76%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 10.7%
+3.2pp YoY
+0.1pp QoQ
 -1.9pp 12.6% 12.8% 11.6% 39%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 66%
Net Income ($, YTD) $8.2M
+62.2% YoY
— QoQ
 -$11.0M $19.2M $4.0M $40.4M 30%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#95 of 492 • Bottom 19.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#101 of 402 • Bottom 24.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

216
Nonperforming Asset Ratio
credit_quality
Value: 0.18%
Peer Median: 0.67%
#216 of 885 Top 24.3% in $1B-$10B

Top Weaknesses (3 metrics)

743
Net Interest Margin
profitability
Value: 3.05%
Peer Median: 3.87%
#743 of 885 Bottom 16.2% in $1B-$10B
722
Non-Interest-Bearing Deposit Share
funding
Value: 12.93%
Peer Median: 21.27%
#722 of 885 Bottom 18.5% in $1B-$10B
684
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#684 of 885 Bottom 22.8% in $1B-$10B
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