Earlham Savings Bank: how it compares with its peers
Against 112 IA banks with half to twice its assets, Earlham Savings Bank's strongest measure in Q2 2026 is net interest margin (3.77% vs. a 3.58% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $8.6M).
| Measure | Earlham Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.40% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.58% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.11% | 54.60% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $8.6M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.14% | 83.14% | Context |
What it means for lending operations
Its efficiency ratio of 62.11% is above the 54.60% 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
- The Libertyville Savings Bank Fairfield, IA · $384M
- First State Bank Lynnville, IA · $384M
- Iowa State Bank Clarksville, IA · $393M
- First Iowa State Bank Albia, IA · $396M
- The Clinton National Bank Clinton, IA · $396M
- Hardin County Savings Bank Eldora, IA · $402M
Questions about Earlham Savings Bank
How big is Earlham Savings Bank?
Earlham Savings Bank, established in 1931, is headquartered in West Des Moines, IA. It reported $383M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Earlham Savings Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.40% median for 112 IA banks with half to twice its assets, ahead of 23% of them.
What is Earlham Savings Bank's efficiency ratio?
62.11% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 54.60%, and lower is better.
Is Earlham Savings Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 1.9%.
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.