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Earlham Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 5796

West Des Moines, IA

9 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Earlham Savings Bank has 1 strength 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

  • + Efficiency Ratio 1.79% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 13.8% in tier
  • - Net Interest Margin 0.25% below tier average
  • - Delinquency Rate 0.07% above tier average
Get updates when Earlham Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $383.1M
+2.8% YoY +1.4% QoQ
-$2.9M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
59%
Total Loans ? $221.9M
+7.0% YoY -1.3% QoQ
-$33.8M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $345.7M
+2.1% YoY +1.3% QoQ
+$17.7M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
62%
Return on Assets ? 0.99%
-24.9% YoY +10.1% QoQ
-0.28% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
37%
Net Interest Margin ? 3.68%
+4.3% YoY +0.9% QoQ
-0.25% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
40%
Efficiency Ratio ? 63.50%
+3.6% YoY +0.3% QoQ
-1.79% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 0.95%
+260.0% YoY +149.7% QoQ
+0.07% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
29%
Loan-to-Deposit Ratio ? 64.18%
+4.7% YoY -2.5% QoQ
-12.46% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
76%
Non-Interest-Bearing Deposit Share ? 24.64%
-3.5% YoY -1.5% QoQ
+2.62% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
65%
Nonperforming Asset Ratio ? 0.55%
+120.9% YoY +143.1% QoQ
-0.09% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
35%
Tier 1 Capital Ratio ? 16.81%
+4.1% YoY +2.8% QoQ
+0.98% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.12%
-42.6% YoY -87.3% QoQ
-0.16% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
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 (1)

Margin Compression

decline
#43 of 305 • Bottom 13.8% 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: 0.99%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

632
Tier 1 Capital Ratio
capital
Value: 16.81%
Peer Median: 15.83%
#632 of 2664 Top 23.7% in $100M-$1B
636
Loan-to-Deposit Ratio
liquidity
Value: 64.18%
Peer Median: 76.64%
#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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