Audubon State Bank: how it compares with its peers
Against 105 IA banks with half to twice its assets, Audubon State Bank's strongest measure in Q2 2026 is return on assets (2.38% vs. a 1.33% peer median). Its weakest relative measure is assets per employee ($10.4M vs. $8.4M).
| Measure | Audubon State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.38% | 1.33% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 3.64% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.04% | 57.45% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $8.4M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.99% | 77.76% | Context |
What it means for lending operations
Its efficiency ratio of 41.04% is better than the 57.45% 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
- Federation Bank Washington, IA · $156M
- Hiawatha Bank and Trust Company Hiawatha, IA · $157M
- Boone Bank & Trust Co. Boone, IA · $157M
- Citizens Savings Bank Spillville, IA · $151M
- Farmers State Bank Algona, IA · $150M
- Readlyn Savings Bank Readlyn, IA · $148M
Questions about Audubon State Bank
How big is Audubon State Bank?
Audubon State Bank, established in 1876, is headquartered in Audubon, IA. It reported $155M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Audubon State Bank's return on assets?
2.38% annualized in Q2 2026, against a 1.33% median for 105 IA banks with half to twice its assets, ahead of 98% of them.
What is Audubon State Bank's efficiency ratio?
41.04% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 57.45%, and lower is better.
Is Audubon State Bank growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 0.1%.
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.