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Regulatory profile
Spencer, IA · FDIC certificate #32647 · RSSD 1387605
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $3.0B | $2.6B | $2.5B | 1.35% | 13.67% | 3.66% |
| 2026-03-31 | $3.0B | $2.6B | $2.4B | 1.26% | 12.70% | 3.59% |
| 2025-12-31 | $3.0B | $2.6B | $2.4B | 1.03% | 10.98% | 3.29% |
| 2025-09-30 | $3.0B | $2.5B | $2.4B | 0.95% | 10.26% | 3.18% |
| 2025-06-30 | $3.0B | $2.5B | $2.3B | 0.85% | 9.27% | 3.06% |
| 2025-03-31 | $2.9B | $2.5B | $2.3B | 0.73% | 8.01% | 2.91% |
| 2024-12-31 | $2.9B | $2.5B | $2.3B | 0.59% | 7.19% | 2.62% |
| 2024-09-30 | $2.9B | $2.5B | $2.2B | 0.50% | 6.20% | 2.54% |
| 2024-06-30 | $2.9B | $2.5B | $2.3B | 0.48% | 6.07% | 2.47% |
| 2024-03-31 | $2.6B | $2.1B | $2.0B | 0.41% | 5.39% | 2.45% |
| 2023-12-31 | $2.6B | $2.0B | $2.0B | 0.60% | 8.17% | 2.73% |
| 2023-09-30 | $2.6B | $2.0B | $1.9B | 0.68% | 9.35% | 2.83% |
| 2023-06-30 | $2.5B | $1.9B | $1.9B | 0.69% | 9.51% | 2.91% |
| 2023-03-31 | $2.5B | $2.0B | $1.8B | 0.66% | 9.21% | 3.01% |
| 2022-12-31 | $2.5B | $2.0B | $1.8B | 0.94% | 12.53% | 3.16% |
| 2022-09-30 | $2.3B | $2.0B | $1.7B | 1.02% | 13.30% | 3.13% |
| 2022-06-30 | $2.2B | $1.9B | $1.6B | 0.96% | 12.31% | 2.99% |
| 2022-03-31 | $2.3B | $2.0B | $1.5B | 1.00% | 12.51% | 2.82% |
| 2021-12-31 | $2.3B | $2.0B | $1.6B | 1.15% | 13.70% | 3.13% |
| 2021-09-30 | $2.2B | $1.9B | $1.5B | 1.24% | 14.65% | 3.19% |
| 2021-06-30 | $2.1B | $1.8B | $1.5B | 1.29% | 15.10% | 3.10% |
| 2021-03-31 | $2.1B | $1.8B | $1.5B | 1.62% | 18.88% | 3.18% |
| 2020-12-31 | $2.0B | $1.7B | $1.6B | 1.25% | 13.78% | 3.36% |
| 2020-09-30 | $2.0B | $1.6B | $1.6B | 1.13% | 12.29% | 3.29% |
| 2020-06-30 | $2.0B | $1.6B | $1.7B | 0.90% | 9.64% | 3.30% |
| 2020-03-31 | $1.7B | $1.4B | $1.4B | 0.71% | 7.29% | 3.47% |
| 2019-12-31 | $1.7B | $1.4B | $1.4B | 1.48% | 15.17% | 3.70% |
| 2019-09-30 | $1.7B | $1.4B | $1.4B | 1.62% | 16.71% | 3.74% |
| 2019-06-30 | $1.7B | $1.4B | $1.4B | 1.44% | 14.89% | 3.74% |
| 2019-03-31 | $1.6B | $1.3B | $1.3B | 1.46% | 15.17% | 3.75% |
| 2018-12-31 | $1.6B | $1.3B | $1.3B | 1.47% | 15.43% | 3.74% |
| 2018-09-30 | $1.6B | $1.3B | $1.3B | 1.54% | 16.10% | 3.72% |
| 2018-06-30 | $1.6B | $1.3B | $1.3B | 1.47% | 15.44% | 3.67% |
| 2018-03-31 | $1.5B | $1.3B | $1.2B | 1.46% | 15.25% | 3.60% |
| 2017-12-31 | $1.5B | $1.3B | $1.2B | 1.46% | 15.14% | 3.50% |
| 2017-09-30 | $1.5B | $1.3B | $1.2B | 1.48% | 15.26% | 3.49% |
| 2017-06-30 | $1.5B | $1.3B | $1.2B | 1.53% | 15.78% | 3.46% |
| 2017-03-31 | $1.5B | $1.3B | $1.2B | 1.16% | 11.98% | 3.41% |
| 2016-12-31 | $1.5B | $1.2B | $1.2B | 1.33% | 13.80% | 3.47% |
| 2016-09-30 | $1.4B | $1.2B | $1.2B | 1.23% | 12.73% | 3.48% |
| 2016-06-30 | $1.4B | $1.2B | $1.2B | 1.10% | 11.54% | 3.46% |
| 2016-03-31 | $1.4B | $1.2B | $1.2B | 0.85% | 9.02% | 3.49% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1978713 · 2011-06-01 to current
Unmatched RSSD entityRSSD 1978713 · 2007-06-30 to 2011-05-31
Unmatched RSSD entityRSSD 1978713 · 1992-05-31 to 2007-06-29
2024-05-11RSSD 214843 → 1387605 · code 1
2013-10-12RSSD 307745 → 1387605 · code 1
2006-08-26RSSD 2814096 → 1387605 · code 1
1992-02-01RSSD 393672 → 1387605 · code 50
1988-12-31RSSD 579177 → 1387605 · code 50
1988-12-31RSSD 475877 → 1387605 · code 50
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.