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Mediapolis Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15772

Mediapolis, IA

5 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 -1.4% year over year ($225.8M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.53%.
  • Efficiency ratio 56.72% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.64% 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) →

Mediapolis Savings Bank has 3 strengths but faces 3 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

  • + ROA 0.21% above tier average
  • + Efficiency Ratio 7.76% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 24.2% in tier
  • - Credit Quality Pressure: Bottom 30.7% in tier
  • - Net Interest Margin 0.22% below tier average
Get updates when Mediapolis Savings 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 ? $269.9M
+2.1% YoY -1.0% QoQ
-$116.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $211.4M
+11.9% YoY +3.1% QoQ
-$46.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $225.8M
-1.4% YoY -2.7% QoQ
-$100.9M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.53%
+23.5% YoY +11.6% QoQ
+0.21% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.77%
+9.8% YoY +2.8% QoQ
-0.22% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 56.72%
-8.2% YoY -5.2% QoQ
-7.76% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.39%
+61.2% YoY +28.3% QoQ
-0.53% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 93.64%
+13.4% YoY +6.0% QoQ
+15.69% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 16.76%
+2.3% YoY +6.2% QoQ
-5.27% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.31%
+76.6% YoY +33.6% QoQ
-0.36% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 10.20%
+14.2% YoY +0.6% QoQ
-5.71% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 12.9% in tier
Non-Interest Income / Assets ? 0.14%
-13.7% YoY +118.6% QoQ
-0.43% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
30%

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 16.8%
+0.4pp YoY
+1.0pp QoQ
 -5.4pp 22.1% 17.8% 22.2% 31%
Brokered Deposits 0.8%
0.0pp YoY
0.0pp QoQ
 -7.1pp 7.9% 6.0% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.4%
+1.9pp YoY
+0.4pp QoQ
 -1.1pp 11.6% 12.8% 12.5% 55%
CRE 9.0%
-0.5pp YoY
0.0pp QoQ
 -30.5pp 39.5% 28.3% 41.4% 4%
1-4 Family 32.5%
+1.7pp YoY
+1.2pp QoQ
 -0.1pp 32.6% 23.0% 31.3% 57%
Consumer 3.8%
-0.2pp YoY
+0.3pp QoQ
 -0.3pp 4.1% 2.9% 5.0% 68%

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 10.2%
+1.3pp YoY
+0.1pp QoQ
 -2.0pp 12.2% 12.4% 12.6% 35%
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 38
0 YoY
0 QoQ
 -21 58 64 482 39%
Assets per Employee ($) $7.1M
+2.1% YoY
-1.0% QoQ
 -$417K $7.5M $8.9M $8.8M 54%
Branch Count 5
0 YoY
0 QoQ
 0 4 5 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 25%
Nonaccrual 0.4%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 44%
Allowance Coverage 2.59x
-45.4% YoY
-24.4% QoQ
 -21.57x 24.15x 18.97x 20.23x 54%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 15.4%
+1.8pp YoY
+1.4pp QoQ
 +3.2pp 12.2% 12.8% 11.6% 70%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 73%
Net Income ($, YTD) $2.0M
+27.6% YoY
— QoQ
 -$513K $2.6M $4.0M $40.4M 53%

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)

Capital Thin

risk
#161 of 661 • Bottom 24.2% 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: 10.20%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Pressure

risk
#387 of 1256 • Bottom 30.7% in tier

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

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (2 metrics)

2304
Tier 1 Capital Ratio
capital
Value: 10.20%
Peer Median: 15.91%
#2304 of 2643 Bottom 12.9% in $100M-$1B
2146
Loan-to-Deposit Ratio
liquidity
Value: 93.64%
Peer Median: 77.95%
#2146 of 2643 Bottom 18.8% in $100M-$1B
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