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Federation Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14352

Washington, 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 +3.6% year over year ($133.8M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 1.79%.
  • Efficiency ratio 58.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.03% 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) →

Federation 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

  • + Profitability Leader: Top 14.2% in tier
  • + Net Interest Margin 0.32% above tier average
  • + Efficiency Ratio 5.81% below tier average
  • + Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 47.5% in tier
Get updates when Federation 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 ? $155.8M
+4.6% YoY +3.1% QoQ
-$230.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $81.7M
+10.9% YoY +2.0% QoQ
-$176.7M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 11.4% in tier
Total Deposits ? $133.8M
+3.6% YoY +1.4% QoQ
-$192.9M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.79%
+81.5% YoY -14.7% QoQ
+0.46% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.31%
+17.3% YoY -8.6% QoQ
+0.32% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 58.67%
-19.6% YoY +5.4% QoQ
-5.81% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.20%
-78.7% YoY -49.5% QoQ
-0.72% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 61.03%
+7.0% YoY +0.6% QoQ
-16.92% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 24.50%
+10.0% YoY +11.7% QoQ
+2.47% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 0.11%
-86.4% YoY -50.0% QoQ
-0.56% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 10.49%
+7.0% YoY -0.3% QoQ
-5.42% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.20%
+16.3% YoY +103.7% QoQ
-0.36% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
50%

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 24.5%
+2.2pp YoY
+2.6pp QoQ
 +2.4pp 22.1% 17.8% 22.2% 64%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 16.5%
-1.2pp YoY
-1.1pp QoQ
 +4.9pp 11.6% 12.8% 12.5% 80%
CRE 10.8%
+3.7pp YoY
+1.2pp QoQ
 -28.7pp 39.5% 28.3% 41.4% 6%
1-4 Family 30.9%
+0.7pp YoY
+2.3pp QoQ
 -1.7pp 32.6% 23.0% 31.3% 53%
Consumer 5.5%
-0.6pp YoY
-0.1pp QoQ
 +1.4pp 4.1% 2.9% 5.0% 80%

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 10.5%
+0.7pp YoY
0.0pp QoQ
 -1.7pp 12.2% 12.4% 12.6% 41%
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 24
-1 (-4.0%) YoY
+1 (+4.3%) QoQ
 -35 58 64 482 17%
Assets per Employee ($) $6.5M
+9.0% YoY
-1.2% QoQ
 -$1.0M $7.5M $8.9M $8.8M 43%
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 0.2%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 30%
Allowance Coverage 7.32x
+331.8% YoY
+94.0% QoQ
 -16.83x 24.15x 18.97x 20.23x 77%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 18.8%
+6.4pp YoY
-3.1pp QoQ
 +6.6pp 12.2% 12.8% 11.6% 84%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 17%
Net Income ($, YTD) $1.4M
+86.8% YoY
— QoQ
 -$1.2M $2.6M $4.0M $40.4M 38%

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 (1)

Profitability Leader

growth
#95 of 661 • Top 14.2% in tier

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

Why this signature
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#315 of 661 • Bottom 47.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.49%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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)

491
Loan-to-Deposit Ratio
liquidity
Value: 61.03%
Peer Median: 77.95%
#491 of 2643 Top 18.5% in $100M-$1B
542
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#542 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (4 metrics)

2343
Total Loans
size
Value: $81.68M
Peer Median: $258.35M
#2343 of 2643 Bottom 11.4% in $100M-$1B
2225
Total Assets
size
Value: $155.84M
Peer Median: $386.57M
#2225 of 2643 Bottom 15.9% in $100M-$1B
2212
Total Deposits
size
Value: $133.83M
Peer Median: $326.73M
#2212 of 2643 Bottom 16.3% in $100M-$1B
2206
Tier 1 Capital Ratio
capital
Value: 10.49%
Peer Median: 15.91%
#2206 of 2643 Bottom 16.6% in $100M-$1B
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