Raccoon Valley Bank: how it compares with its peers
Against 97 IA banks with half to twice its assets, Raccoon Valley Bank's strongest measure in Q2 2026 is net interest margin (3.97% vs. a 3.65% peer median). Its weakest relative measure is efficiency ratio (56.04% vs. 55.46%).
| Measure | Raccoon Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.43% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.65% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.04% | 55.46% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $8.3M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.55% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 56.04% is above the 55.46% 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
- Rolling Hills Bank & Trust Atlantic, IA · $484M
- American Bank and Trust Company, National Association Davenport, IA · $481M
- Home State Bank Jefferson, IA · $481M
- Iowa State Bank Des Moines, IA · $481M
- Security State Bank Sutherland, IA · $492M
- TruBank Indianola, IA · $495M
Questions about Raccoon Valley Bank
How big is Raccoon Valley Bank?
Raccoon Valley Bank, established in 1927, is headquartered in Perry, IA. It reported $486M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Raccoon Valley Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.43% median for 97 IA banks with half to twice its assets, ahead of 65% of them.
What is Raccoon Valley Bank's efficiency ratio?
56.04% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 55.46%, and lower is better.
Is Raccoon Valley Bank growing its loans?
Net loans grew 12.1% over the year to Q2 2026, while deposits grew 5.2%.
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.