CUSB Bank: how it compares with its peers
Against 60 IA banks with half to twice its assets, CUSB Bank's strongest measure in Q2 2026 is return on assets (1.53% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $8.2M).
| Measure | CUSB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.43% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 3.65% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.50% | 55.13% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.2M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.69% | 88.01% | Context |
What it means for lending operations
Its efficiency ratio of 54.50% is better than the 55.13% 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
- Primebank Le Mars, IA · $801M
- Premier Bank Rock Valley, IA · $826M
- Decorah Bank & Trust Company Decorah, IA · $794M
- City State Bank Norwalk, IA · $788M
- BankIowa Cedar Rapids, IA · $846M
- First Central State Bank Dewitt, IA · $772M
Questions about CUSB Bank
How big is CUSB Bank?
CUSB Bank, established in 1888, is headquartered in Cresco, IA. It reported $812M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is CUSB Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.43% median for 60 IA banks with half to twice its assets, ahead of 60% of them.
What is CUSB Bank's efficiency ratio?
54.50% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.13%, and lower is better.
Is CUSB Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 4.2%.
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.