Breda Savings Bank: how it compares with its peers
Against 76 IA banks with half to twice its assets, Breda Savings Bank's strongest measure in Q2 2026 is assets per employee ($11.8M vs. a $8.1M peer median). Its weakest relative measure is net interest margin (3.09% vs. 3.79%).
| Measure | Breda Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.34% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.09% | 3.79% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.64% | 57.38% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.8M | $8.1M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.74% | 75.32% | Context |
What it means for lending operations
Its efficiency ratio of 49.64% is better than the 57.38% 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
- Sibley State Bank Sibley, IA · $104M
- Maynard Savings Bank Maynard, IA · $108M
- White State Bank South English, IA · $109M
- FNNB Bank Newton, IA · $109M
- Security State Bank Algona, IA · $110M
- First Community Bank Newell, IA · $116M
Questions about Breda Savings Bank
How big is Breda Savings Bank?
Breda Savings Bank, established in 1890, is headquartered in Breda, IA. It reported $106M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Breda Savings Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.34% median for 76 IA banks with half to twice its assets, ahead of 76% of them.
What is Breda Savings Bank's efficiency ratio?
49.64% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 57.38%, and lower is better.
Is Breda Savings Bank growing its loans?
Net loans shrank 4.1% over the year to Q2 2026, while deposits grew 9.1%.
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.