Community Bank of Oelwein: how it compares with its peers
Against 66 IA banks with half to twice its assets, Community Bank of Oelwein's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $8.0M peer median). Its weakest relative measure is net interest margin (3.06% vs. 3.79%).
| Measure | Community Bank of Oelwein | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.30% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.06% | 3.79% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.12% | 58.73% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $8.0M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.66% | 73.89% | Context |
What it means for lending operations
Its efficiency ratio of 58.12% is better than the 58.73% 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
- Sanborn Savings Bank Sanborn, IA · $93M
- Logan State Bank Logan, IA · $92M
- The State Bank Spirit Lake, IA · $88M
- The First National Bank of Manning Manning, IA · $88M
- First Security State Bank Evansdale, IA · $87M
- The Watkins Savings Bank Watkins, IA · $87M
Questions about Community Bank of Oelwein
How big is Community Bank of Oelwein?
Community Bank of Oelwein, established in 1998, is headquartered in Oelwein, IA. It reported $95M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bank of Oelwein's return on assets?
1.09% annualized in Q2 2026, against a 1.30% median for 66 IA banks with half to twice its assets, ahead of 32% of them.
What is Community Bank of Oelwein's efficiency ratio?
58.12% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.73%, and lower is better.
Is Community Bank of Oelwein growing its loans?
Net loans shrank 13.6% over the year to Q2 2026, while deposits shrank 13.2%.
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.