Tri-Valley Bank: how it compares with its peers
Against 60 IA banks with half to twice its assets, Tri-Valley Bank's strongest measure in Q2 2026 is net interest margin (4.13% vs. a 3.84% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $8.0M).
| Measure | Tri-Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.18% | 1.27% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 3.84% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.83% | 58.86% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $8.0M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.56% | 73.42% | Context |
What it means for lending operations
Its efficiency ratio of 77.83% is above the 58.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sloan State Bank Sloan, IA · $79M
- The Watkins Savings Bank Watkins, IA · $87M
- First Security State Bank Evansdale, IA · $87M
- Citizens Savings Bank Marshalltown, IA · $78M
- The First National Bank of Manning Manning, IA · $88M
- The Farmers State Bank Marcus, IA · $77M
Questions about Tri-Valley Bank
How big is Tri-Valley Bank?
Tri-Valley Bank, established in 1917, is headquartered in Randolph, IA. It reported $83M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Tri-Valley Bank's return on assets?
0.18% annualized in Q2 2026, against a 1.27% median for 60 IA banks with half to twice its assets, ahead of 3% of them.
What is Tri-Valley Bank's efficiency ratio?
77.83% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 58.86%, and lower is better.
Is Tri-Valley Bank growing its loans?
Net loans shrank 2.4% over the year to Q2 2026, while deposits shrank 3.4%.
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.