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Community Bank of Oelwein

under $100M Specialty: Commercial IA FDIC cert 34857

Designations: ✓ Community bank

Oelwein, IA

541 banks in the under $100M peer group nationally 33 in IA
View under $100M leaderboard (IA) →

Community Bank of Oelwein has 3 strengths but faces 1 concern

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 0.26% above tier average
  • + Efficiency Ratio 29.90% below tier average
  • + Delinquency Rate 1.30% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.93% below tier average
Get updates when Community Bank of Oelwein releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $99.4M
-8.6% YoY -3.9% QoQ
+$37.3M $62.2M
-0.6% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Top 0.4% in tier
Total Loans ? $63.8M
-9.9% YoY -3.0% QoQ
+$29.6M $34.2M
-1.4% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Top 9.1% in tier
Total Deposits ? $79.0M
-14.7% YoY -5.1% QoQ
+$27.2M $51.7M
-0.7% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Top 11.8% in tier
Return on Assets ? 1.09%
+51.4% YoY +32.4% QoQ
+0.26% 0.84%
-2.3% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
57%
Net Interest Margin ? 2.93%
+22.0% YoY +10.2% QoQ
-0.93% 3.86%
+2.8% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
Bottom 14.4% in tier
Efficiency Ratio ? 58.44%
-11.3% YoY -7.8% QoQ
-29.90% 88.34%
+0.3% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
77%
Delinquency Rate ? 0.07%
+219.1% YoY -74.7% QoQ
-1.30% 1.37%
+33.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
66%
Loan-to-Deposit Ratio ? 80.87%
+5.7% YoY +2.2% QoQ
+16.65% 64.22%
-0.7% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
26%
Non-Interest-Bearing Deposit Share ? 8.40%
+25.6% YoY +13.2% QoQ
-15.31% 23.71%
+0.3% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Bottom 13.3% in tier
Nonperforming Asset Ratio ? 0.51%
-5.2% QoQ
-0.28% 0.79%
+28.2% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 13.67%
-17.0% YoY +4.0% QoQ
-13.01% 26.68%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.08%
+121.6% YoY -49.5% QoQ
-0.58% 0.67%
+1.9% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
62%

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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

3
Total Assets
size
Value: $99.43M
Peer Median: $62.16M
#3 of 541 Top 0.4% in under $100M
50
Total Loans
size
Value: $63.85M
Peer Median: $34.25M
#50 of 541 Top 9.1% in under $100M
65
Total Deposits
size
Value: $78.95M
Peer Median: $51.74M
#65 of 541 Top 11.8% in under $100M
124
Efficiency Ratio
profitability
Value: 58.44%
Peer Median: 88.34%
#124 of 541 Top 22.7% in under $100M

Top Weaknesses (2 metrics)

470
Non-Interest-Bearing Deposit Share
funding
Value: 8.40%
Peer Median: 23.71%
#470 of 541 Bottom 13.3% in under $100M
464
Net Interest Margin
profitability
Value: 2.93%
Peer Median: 3.86%
#464 of 541 Bottom 14.4% in under $100M
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