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The State Bank of Toledo

$100M-$1B Specialty: Agricultural IA FDIC cert 4514

Toledo, IA

2 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 +0.7% year over year ($120.2M on the books).
  • Delinquency rate 2.08%.
  • Return on assets 1.07%.
  • Efficiency ratio 76.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.88% 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) →

The State Bank of Toledo has 1 strength but faces 6 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

  • + Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 8.9% in tier
  • - Flatlined Growth: Bottom 34.6% in tier
  • - Nonperforming Asset Ratio 1.27% above tier average
  • - ROA 0.25% below tier average
  • - Efficiency Ratio 12.22% above tier average
  • - Delinquency Rate 1.16% above tier average
Get updates when The State Bank of Toledo releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $134.6M
-0.4% YoY -7.1% QoQ
-$251.9M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 9.4% in tier
Total Loans ? $108.0M
-3.3% YoY -1.1% QoQ
-$150.3M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $120.2M
+0.7% YoY -7.7% QoQ
-$206.5M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 11.8% in tier
Return on Assets ? 1.07%
+85.3% YoY +27.2% QoQ
-0.25% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 4.46%
+11.8% YoY +3.1% QoQ
+0.48% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 76.70%
-11.9% YoY -3.2% QoQ
+12.22% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 2.08%
-14.8% YoY +15.3% QoQ
+1.16% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 12.1% in tier
Loan-to-Deposit Ratio ? 89.88%
-3.9% YoY +7.2% QoQ
+11.93% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 20.36%
+13.4% YoY +16.9% QoQ
-1.67% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 1.94%
-4.5% YoY +15.0% QoQ
+1.27% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 7.8% in tier
Tier 1 Capital Ratio ? 9.83%
-1.9% YoY +3.3% QoQ
-6.08% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 8.4% in tier
Non-Interest Income / Assets ? 0.37%
+0.4% YoY +113.9% QoQ
-0.19% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
83%

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 20.4%
+2.4pp YoY
+2.9pp QoQ
 -1.8pp 22.1% 17.8% 22.2% 47%
Brokered Deposits 4.7%
-6.8pp YoY
-1.1pp QoQ
 -3.2pp 7.9% 6.0% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 4.9%
-0.5pp YoY
-0.6pp QoQ
 -6.7pp 11.6% 12.8% 12.5% 19%
CRE 13.4%
-2.5pp YoY
-0.9pp QoQ
 -26.2pp 39.5% 28.3% 41.4% 9%
1-4 Family 25.7%
-0.9pp YoY
+0.5pp QoQ
 -6.9pp 32.6% 23.0% 31.3% 42%
Consumer 3.4%
-1.3pp YoY
-0.2pp QoQ
 -0.7pp 4.1% 2.9% 5.0% 64%

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 9.8%
-0.2pp YoY
+0.3pp QoQ
 -2.3pp 12.2% 12.4% 12.6% 27%
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 20
-7 (-25.9%) YoY
-4 (-16.7%) QoQ
 -39 58 64 482 11%
Assets per Employee ($) $6.7M
+34.5% YoY
+11.5% QoQ
 -$786K $7.5M $8.9M $8.8M 47%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

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 2.1%
-0.3pp YoY
+0.3pp QoQ
 +1.1pp 0.9% 1.0% 1.0% 88%
Allowance Coverage 0.93x
+33.5% YoY
-11.9% QoQ
 -23.22x 24.15x 18.97x 20.23x 24%
Net Charge-off Rate (YTD) 0.3%
+0.4pp YoY
-0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 10.8%
+5.1pp YoY
+2.1pp QoQ
 -1.4pp 12.2% 12.8% 11.6% 42%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 41%
Net Income ($, YTD) $748,000
+92.3% YoY
— QoQ
 -$1.8M $2.6M $4.0M $40.4M 18%

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
#60 of 661 • Bottom 8.9% 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: 9.83%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#184 of 529 • Bottom 34.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.07%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (2 metrics)

460
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#460 of 2643 Top 17.4% in $100M-$1B
573
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.99%
#573 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (7 metrics)

2438
Nonperforming Asset Ratio
credit_quality
Value: 1.94%
Peer Median: 0.67%
#2438 of 2643 Bottom 7.8% in $100M-$1B
2423
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.91%
#2423 of 2643 Bottom 8.4% in $100M-$1B
2395
Total Assets
size
Value: $134.64M
Peer Median: $386.57M
#2395 of 2643 Bottom 9.4% in $100M-$1B
2333
Total Deposits
size
Value: $120.20M
Peer Median: $326.73M
#2333 of 2643 Bottom 11.8% in $100M-$1B
2316
Delinquency Rate
credit_quality
Value: 2.08%
Peer Median: 0.92%
#2316 of 2633 Bottom 12.1% in $100M-$1B
2172
Efficiency Ratio
profitability
Value: 76.70%
Peer Median: 64.48%
#2172 of 2643 Bottom 17.9% in $100M-$1B
2075
Total Loans
size
Value: $108.03M
Peer Median: $258.35M
#2075 of 2643 Bottom 21.5% in $100M-$1B
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