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Bank Plus

$100M-$1B Specialty: Agricultural IA FDIC cert 16547

Estherville, 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 -6.5% year over year ($103.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.19%.
  • Efficiency ratio 70.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 116.29% 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) →

Bank Plus has 3 strengths 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.46% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 10.7% in tier
  • - Deposit Outflow: Bottom 45.6% in tier
  • - Capital Constraint: Bottom 56.1% in tier
  • - ROA 0.13% below tier average
  • - Efficiency Ratio 5.61% above tier average
Get updates when Bank Plus releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $144.6M
-2.4% YoY -4.6% QoQ
-$242.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 12.5% in tier
Total Loans ? $120.2M
+2.7% YoY -1.9% QoQ
-$138.1M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $103.4M
-6.5% YoY -7.2% QoQ
-$223.4M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 6.2% in tier
Return on Assets ? 1.19%
+58.8% YoY +13.1% QoQ
-0.13% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.44%
+7.6% YoY +3.2% QoQ
+0.46% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 70.09%
-9.8% YoY -3.3% QoQ
+5.61% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 116.29%
+9.9% YoY +5.7% QoQ
+38.34% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 1.7% in tier
Non-Interest-Bearing Deposit Share ? 24.88%
+9.6% YoY -4.5% QoQ
+2.85% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.67%
+5.6% YoY +8.8% QoQ
-5.24% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.13%
+75.6% YoY +240.9% QoQ
-0.43% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
29%

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 24.9%
+2.2pp YoY
-1.2pp QoQ
 +2.7pp 22.1% 17.8% 22.2% 65%
Brokered Deposits 4.9%
-4.6pp YoY
-4.5pp QoQ
 -3.0pp 7.9% 6.0% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 5.7%
+1.3pp YoY
-0.2pp QoQ
 -5.9pp 11.6% 12.8% 12.5% 24%
CRE 12.4%
+3.7pp YoY
+0.4pp QoQ
 -27.1pp 39.5% 28.3% 41.4% 7%
1-4 Family 7.9%
+2.0pp YoY
+0.8pp QoQ
 -24.7pp 32.6% 23.0% 31.3% 8%
Consumer 1.9%
-0.5pp YoY
0.0pp QoQ
 -2.2pp 4.1% 2.9% 5.0% 46%

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 10.7%
+0.6pp YoY
+0.9pp QoQ
 -1.5pp 12.2% 12.4% 12.6% 44%
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 25
0 YoY
0 QoQ
 -34 58 64 482 19%
Assets per Employee ($) $5.8M
-2.4% YoY
-4.6% QoQ
 -$1.7M $7.5M $8.9M $8.8M 29%
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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.97x 20.23x n/a
Net Charge-off Rate (YTD) 0.6%
+0.3pp YoY
-0.5pp QoQ
 +0.4pp 0.1% 0.1% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 10.4%
+3.4pp YoY
+0.9pp QoQ
 -1.8pp 12.2% 12.8% 11.6% 40%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 37%
Net Income ($, YTD) $901,000
+55.1% YoY
— QoQ
 -$1.7M $2.6M $4.0M $40.4M 24%

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 (3)

Capital Thin

risk
#72 of 661 • Bottom 10.7% 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: 10.67%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#245 of 535 • Bottom 45.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#61 of 107 • Bottom 56.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 116.29%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.67%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

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 (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
609
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.99%
#609 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (4 metrics)

2599
Loan-to-Deposit Ratio
liquidity
Value: 116.29%
Peer Median: 77.95%
#2599 of 2643 Bottom 1.7% in $100M-$1B
2479
Total Deposits
size
Value: $103.38M
Peer Median: $326.73M
#2479 of 2643 Bottom 6.2% in $100M-$1B
2314
Total Assets
size
Value: $144.56M
Peer Median: $386.57M
#2314 of 2643 Bottom 12.5% in $100M-$1B
2141
Tier 1 Capital Ratio
capital
Value: 10.67%
Peer Median: 15.91%
#2141 of 2643 Bottom 19.0% in $100M-$1B
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