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Twin Cedars Bank

$100M-$1B Specialty: Commercial IA FDIC cert 1556

Bussey, 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 +6.0% year over year ($104.7M on the books).
  • Delinquency rate 4.75%.
  • Return on assets -2.34%.
  • Efficiency ratio 108.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.28% 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) →

Twin Cedars Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 6.1% in tier
  • - NIB Deposit Bleed: Bottom 30.2% in tier
  • - Return on Assets 3.66% below tier average
  • - Delinquency Rate 3.83% above tier average
  • - Nonperforming Asset Ratio 2.87% above tier average
Get updates when Twin Cedars 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 ? $118.3M
+4.5% YoY +1.0% QoQ
-$268.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 5.1% in tier
Total Loans ? $88.2M
-4.3% YoY -7.1% QoQ
-$170.1M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 13.9% in tier
Total Deposits ? $104.7M
+6.0% YoY +1.9% QoQ
-$222.1M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 6.8% in tier
Return on Assets ? -2.34%
-442.7% YoY -579.1% QoQ
-3.66% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Bottom 0.6% in tier
Net Interest Margin ? 3.97%
-12.6% YoY -1.5% QoQ
-0.01% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 108.20%
+61.4% YoY +35.9% QoQ
+43.72% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Bottom 1.5% in tier
Delinquency Rate ? 4.75%
+141.2% YoY +11.4% QoQ
+3.83% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 2.8% in tier
Loan-to-Deposit Ratio ? 84.28%
-9.8% YoY -8.8% QoQ
+6.32% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 12.16%
-20.6% YoY -3.9% QoQ
-9.87% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 14.9% in tier
Nonperforming Asset Ratio ? 3.54%
+121.3% YoY +2.5% QoQ
+2.87% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 2.2% in tier
Tier 1 Capital Ratio ? 12.94%
-6.6% YoY -4.5% QoQ
-2.97% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.08%
-23.8% YoY +85.7% QoQ
-0.49% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 11.5% 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 12.2%
-3.1pp YoY
-0.5pp QoQ
 -10.0pp 22.1% 17.8% 22.2% 14%
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 20.8%
-2.7pp YoY
-3.2pp QoQ
 +9.2pp 11.6% 12.8% 12.5% 89%
CRE 35.0%
+5.8pp YoY
+1.9pp QoQ
 -4.5pp 39.5% 28.3% 41.4% 43%
1-4 Family 31.0%
+0.7pp YoY
+1.5pp QoQ
 -1.7pp 32.6% 23.0% 31.3% 54%
Consumer 1.2%
-0.5pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 2.9% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.9pp YoY
-0.6pp QoQ
 -5.9pp 18.8% 15.4% 19.7% 27%
Leverage Ratio 9.2%
-2.2pp YoY
-1.6pp QoQ
 -3.0pp 12.2% 12.4% 12.6% 15%
Total Capital Ratio 14.2%
-0.9pp YoY
-0.6pp QoQ
 -5.7pp 19.9% 16.5% 20.8% 29%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 21
+2 (+10.5%) YoY
+1 (+5.0%) QoQ
 -38 58 64 482 12%
Assets per Employee ($) $5.6M
-5.5% YoY
-3.8% QoQ
 -$1.9M $7.5M $8.9M $8.8M 26%
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 0.6%
-0.5pp YoY
+0.3pp QoQ
 +0.3pp 0.3% 0.4% 0.4% 86%
Nonaccrual 4.1%
+3.3pp YoY
+0.2pp QoQ
 +3.2pp 0.9% 1.0% 1.0% 97%
Allowance Coverage 0.63x
-38.9% YoY
+22.9% QoQ
 -23.53x 24.15x 18.97x 20.23x 15%
Net Charge-off Rate (YTD) 1.8%
+1.7pp YoY
+1.0pp QoQ
 +1.7pp 0.1% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE -20.9%
-26.5pp YoY
-17.8pp QoQ
 -33.1pp 12.2% 12.8% 11.6% 0%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
+0.1pp QoQ
 +1.0pp 1.7% 1.8% 1.7% 94%
Net Income ($, YTD) $-1394000.0
-467.8% YoY
— QoQ
 -$3.9M $2.6M $4.0M $40.4M 1%

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)

Efficiency Drag

risk
#23 of 361 • Bottom 6.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 108.20%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

NIB Deposit Bleed

decline
#50 of 162 • Bottom 30.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 12.16%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2628
Return on Assets
profitability
Value: -2.34%
Peer Median: 1.32%
#2628 of 2643 Bottom 0.6% in $100M-$1B
2604
Efficiency Ratio
profitability
Value: 108.20%
Peer Median: 64.48%
#2604 of 2643 Bottom 1.5% in $100M-$1B
2585
Nonperforming Asset Ratio
credit_quality
Value: 3.54%
Peer Median: 0.67%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2561
Delinquency Rate
credit_quality
Value: 4.75%
Peer Median: 0.92%
#2561 of 2633 Bottom 2.8% in $100M-$1B
2510
Total Assets
size
Value: $118.35M
Peer Median: $386.57M
#2510 of 2643 Bottom 5.1% in $100M-$1B
2464
Total Deposits
size
Value: $104.67M
Peer Median: $326.73M
#2464 of 2643 Bottom 6.8% in $100M-$1B
2339
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2339 of 2643 Bottom 11.5% in $100M-$1B
2277
Total Loans
size
Value: $88.21M
Peer Median: $258.35M
#2277 of 2643 Bottom 13.9% in $100M-$1B
2250
Non-Interest-Bearing Deposit Share
funding
Value: 12.16%
Peer Median: 22.03%
#2250 of 2643 Bottom 14.9% in $100M-$1B
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