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Earlham Savings Bank

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

West Des Moines, IA

9 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 +1.9% year over year ($343.9M on the books).
  • Delinquency rate 0.93%.
  • Return on assets 1.06%.
  • Efficiency ratio 62.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.14% 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) →

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 2.37% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 3.6% in tier
  • - Cost Spiral: Bottom 47.1% in tier
  • - Net Interest Margin 0.22% below tier average
Get updates when Earlham Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $382.5M
+2.3% YoY -0.2% QoQ
-$4.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $220.6M
+4.9% YoY -0.6% QoQ
-$37.7M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $343.9M
+1.9% YoY -0.5% QoQ
+$17.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.06%
-35.4% YoY +7.3% QoQ
-0.27% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.77%
+5.1% YoY +2.3% QoQ
-0.22% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 62.11%
+13.5% YoY -2.2% QoQ
-2.37% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.93%
+261.7% YoY -2.3% QoQ
+0.01% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 64.14%
+3.0% YoY -0.1% QoQ
-13.81% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 23.81%
-4.8% YoY -3.3% QoQ
+1.78% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.54%
+117.4% YoY -2.7% QoQ
-0.13% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 16.78%
-1.0% YoY +9.2% QoQ
+0.87% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.23%
-62.0% YoY +88.3% QoQ
-0.34% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
59%

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 23.8%
-1.2pp YoY
-0.8pp QoQ
 +1.7pp 22.1% 17.8% 22.2% 62%
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 10.7%
-0.2pp YoY
+0.4pp QoQ
 -0.8pp 11.6% 12.8% 12.5% 57%
CRE 32.8%
-0.4pp YoY
-0.9pp QoQ
 -6.8pp 39.5% 28.3% 41.4% 40%
1-4 Family 25.7%
-1.7pp YoY
+0.6pp QoQ
 -6.9pp 32.6% 23.0% 31.3% 42%
Consumer 2.5%
-0.3pp YoY
-0.1pp QoQ
 -1.6pp 4.1% 2.9% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 16.8%
-0.2pp YoY
+1.4pp QoQ
 -2.0pp 18.8% 15.4% 19.7% 62%
Leverage Ratio 9.5%
+0.2pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 12.4% 12.6% 22%
Total Capital Ratio 18.1%
-0.2pp YoY
+1.4pp QoQ
 -1.9pp 19.9% 16.5% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 60
0 YoY
0 QoQ
 +1 58 64 482 63%
Assets per Employee ($) $6.4M
+2.3% YoY
-0.2% QoQ
 -$1.1M $7.5M $8.9M $8.8M 40%
Branch Count 9
0 YoY
0 QoQ
 +4 4 5 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.9%
+0.6pp YoY
+0.2pp QoQ
 +0.5pp 0.3% 0.4% 0.4% 90%
Nonaccrual 0.1%
-0.2pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 15%
Allowance Coverage 2.96x
-68.8% YoY
+6.3% QoQ
 -21.19x 24.15x 18.97x 20.23x 58%
Net Charge-off Rate (YTD) -0.1%
+1.6pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.2%
-7.1pp YoY
+0.6pp QoQ
 -1.0pp 12.2% 12.8% 11.6% 44%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $2.0M
-33.4% YoY
— QoQ
 -$540K $2.6M $4.0M $40.4M 52%

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)

Margin Compression

decline
#12 of 307 • Bottom 3.6% 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: 1.06%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#66 of 138 • Bottom 47.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 62.11%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 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)

594
Loan-to-Deposit Ratio
liquidity
Value: 64.14%
Peer Median: 77.95%
#594 of 2643 Top 22.4% in $100M-$1B
638
Tier 1 Capital Ratio
capital
Value: 16.78%
Peer Median: 15.91%
#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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