Dysart State Bank: how it compares with its peers
Against 96 U.S. banks with half to twice its assets, Dysart State Bank's strongest measure in Q2 2026 is efficiency ratio (52.67% vs. a 80.83% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $3.4M).
| Measure | Dysart State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.15% | 1.07% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 3.80% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.67% | 80.83% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $3.4M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.22% | 61.96% | Context |
What it means for lending operations
Its efficiency ratio of 52.67% is better than the 80.83% 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
- Everence Trust Company Goshen, IN · $16M
- Cedar Hill National Bank Charlotte, NC · $16M
Questions about Dysart State Bank
How big is Dysart State Bank?
Dysart State Bank, established in 1934, is headquartered in Dysart, IA. It reported $17M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Dysart State Bank's return on assets?
2.15% annualized in Q2 2026, against a 1.07% median for 96 U.S. banks with half to twice its assets, ahead of 69% of them.
What is Dysart State Bank's efficiency ratio?
52.67% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 80.83%, and lower is better.
Is Dysart State Bank growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits shrank 10.7%.
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 U.S. 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.