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Community Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14649

Dunlap, IA

7 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Community Bank has 2 strengths but faces 2 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

  • + Efficiency Ratio 3.02% below tier average
  • + Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 30.2% in tier
  • - Net Interest Margin 0.12% below tier average
Get updates when Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $139.7M
+3.7% YoY +1.9% QoQ
-$246.4M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Bottom 11.1% in tier
Total Loans ? $93.5M
+15.7% YoY +0.5% QoQ
-$162.2M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
17%
Total Deposits ? $124.3M
+3.1% YoY +2.0% QoQ
-$203.7M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Bottom 13.2% in tier
Return on Assets ? 1.01%
-12.7% YoY -27.3% QoQ
-0.25% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
38%
Net Interest Margin ? 3.81%
+8.1% YoY +0.1% QoQ
-0.12% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
47%
Efficiency Ratio ? 62.26%
-8.7% YoY +1.3% QoQ
-3.02% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
53%
Delinquency Rate ? 0.69%
-38.2% QoQ
-0.20% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
37%
Loan-to-Deposit Ratio ? 75.21%
+12.2% YoY -1.5% QoQ
-1.43% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
57%
Non-Interest-Bearing Deposit Share ? 21.20%
+6.0% YoY -1.2% QoQ
-0.82% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
51%
Nonperforming Asset Ratio ? 0.46%
-39.0% QoQ
-0.18% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
40%
Tier 1 Capital Ratio ? 15.91%
-9.3% YoY +2.1% QoQ
+0.08% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.09%
+1.3% YoY -80.9% QoQ
-0.19% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
45%

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 (1)

Margin Compression

decline
#93 of 305 • Bottom 30.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.01%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2369
Total Assets
size
Value: $139.73M
Peer Median: $386.08M
#2369 of 2664 Bottom 11.1% in $100M-$1B
2313
Total Deposits
size
Value: $124.28M
Peer Median: $327.97M
#2313 of 2664 Bottom 13.2% in $100M-$1B
2204
Total Loans
size
Value: $93.47M
Peer Median: $255.72M
#2204 of 2664 Bottom 17.3% in $100M-$1B
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