Ashton State Bank: how it compares with its peers
Against 34 IA banks with half to twice its assets, Ashton State Bank's strongest measure in Q2 2026 is return on assets (1.41% vs. a 1.13% peer median). Its weakest relative measure is net interest margin (3.59% vs. 3.73%).
| Measure | Ashton State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.13% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.73% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.64% | 63.03% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.9M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.70% | 62.60% | Context |
What it means for lending operations
Its efficiency ratio of 55.64% is better than the 63.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Montezuma State Bank Montezuma, IA · $55M
- The Exchange State Bank Springville, IA · $53M
- Benton County State Bank Blairstown, IA · $51M
- Palo Savings Bank Palo, IA · $49M
- State Central Bank Bonaparte, IA · $63M
- ITS Bank Johnston, IA · $45M
Questions about Ashton State Bank
How big is Ashton State Bank?
Ashton State Bank, established in 1884, is headquartered in Ashton, IA. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Ashton State Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.13% median for 34 IA banks with half to twice its assets, ahead of 68% of them.
What is Ashton State Bank's efficiency ratio?
55.64% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 63.03%, and lower is better.
Is Ashton State Bank growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits shrank 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.