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TruBank

$100M-$1B Specialty: Commercial IA FDIC cert 25267

Indianola, IA

8 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 ($366.1M on the books).
  • Delinquency rate 1.35%.
  • Return on assets 1.09%.
  • Efficiency ratio 57.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.95% 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) →

TruBank has 1 strength but faces 4 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 7.17% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.8% in tier
  • - Margin Compression: Bottom 23.8% in tier
  • - Net Interest Margin 0.29% below tier average
  • - Delinquency Rate 0.43% above tier average
Get updates when TruBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $494.6M
+3.8% YoY +1.5% QoQ
+$108.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $285.4M
+0.6% YoY +0.2% QoQ
+$27.0M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $366.1M
+6.5% YoY +1.6% QoQ
+$39.4M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.09%
-18.4% YoY -9.4% QoQ
-0.23% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.69%
+6.4% YoY +0.1% QoQ
-0.29% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 57.31%
+6.9% YoY +0.3% QoQ
-7.17% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 1.35%
-30.7% YoY -6.4% QoQ
+0.43% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 77.95%
-5.5% YoY -1.5% QoQ
+0.00% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 18.67%
-8.0% YoY +1.1% QoQ
-3.36% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 1.07%
-11.1% YoY -22.9% QoQ
+0.41% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 9.23%
-1.0% YoY -0.9% QoQ
-6.68% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 2.6% in tier
Non-Interest Income / Assets ? 0.14%
-52.1% YoY +105.9% 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 18.7%
-1.6pp YoY
+0.2pp QoQ
 -3.5pp 22.1% 17.8% 22.2% 39%
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 12.2%
-0.8pp YoY
-1.8pp QoQ
 +0.7pp 11.6% 12.8% 12.5% 64%
CRE 46.4%
+2.2pp YoY
+1.7pp QoQ
 +6.9pp 39.5% 28.3% 41.4% 64%
1-4 Family 21.1%
+0.4pp YoY
+1.1pp QoQ
 -11.6pp 32.6% 23.0% 31.3% 32%
Consumer 1.1%
-0.4pp YoY
-0.1pp QoQ
 -3.0pp 4.1% 2.9% 5.0% 30%

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 9.2%
-0.1pp YoY
-0.1pp QoQ
 -2.9pp 12.2% 12.4% 12.6% 16%
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 55
+3 (+5.8%) YoY
+3 (+5.8%) QoQ
 -4 58 64 482 58%
Assets per Employee ($) $9.0M
-1.9% YoY
-4.1% QoQ
 +$1.5M $7.5M $8.9M $8.8M 79%
Branch Count 8
0 YoY
0 QoQ
 +3 4 5 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 1.4%
-0.6pp YoY
-0.1pp QoQ
 +1.0pp 0.3% 0.4% 0.4% 94%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 0.94x
+68.6% YoY
+10.9% QoQ
 -23.22x 24.15x 18.97x 20.23x 25%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.6%
-3.1pp YoY
-1.2pp QoQ
 -0.6pp 12.2% 12.8% 11.6% 48%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 68%
Net Income ($, YTD) $2.7M
-12.5% YoY
— QoQ
 +$102K $2.6M $4.0M $40.4M 64%

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
#158 of 661 • Bottom 23.8% 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: 9.23%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Margin Compression

decline
#74 of 307 • Bottom 23.8% 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: 1.09%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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 (3 metrics)

2575
Tier 1 Capital Ratio
capital
Value: 9.23%
Peer Median: 15.91%
#2575 of 2643 Bottom 2.6% in $100M-$1B
2151
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.67%
#2151 of 2643 Bottom 18.7% in $100M-$1B
2087
Delinquency Rate
credit_quality
Value: 1.35%
Peer Median: 0.92%
#2087 of 2633 Bottom 20.8% in $100M-$1B
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