Cedar Valley Bank & Trust: how it compares with its peers
Against 86 IA banks with half to twice its assets, Cedar Valley Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.38% vs. a 3.64% peer median). Its weakest relative measure is efficiency ratio (65.55% vs. 57.38%).
| Measure | Cedar Valley Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.30% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 3.64% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.55% | 57.38% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.96% | 75.32% | Context |
What it means for lending operations
Its efficiency ratio of 65.55% is above the 57.38% 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
- First State Bank Britt, IA · $126M
- First State Bank Stuart, IA · $130M
- Pocahontas State Bank Pocahontas, IA · $123M
- Farmers and Merchants Savings Bank Iowa City, IA · $122M
- Solon State Bank Solon, IA · $122M
- Farmers Savings Bank Wever, IA · $131M
Questions about Cedar Valley Bank & Trust
How big is Cedar Valley Bank & Trust?
Cedar Valley Bank & Trust, established in 1906, is headquartered in La Porte City, IA. It reported $126M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Cedar Valley Bank & Trust's return on assets?
1.40% annualized in Q2 2026, against a 1.30% median for 86 IA banks with half to twice its assets, ahead of 55% of them.
What is Cedar Valley Bank & Trust's efficiency ratio?
65.55% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 57.38%, and lower is better.
Is Cedar Valley Bank & Trust growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits grew 19.5%.
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.