$106M
+9.7%y/y
Percentile by value4th percentileby value
FDIC
ASSETBS
Breda Savings Bank
Breda, IowaFDIC Cert #5792
STATEEstablished 18901 branch
Holding company: VAN FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBreda Savings Bank reported $106M in total assets. Deposits grew 5.81% over the prior year.
Return on assets was 1.66%, compared with an asset-peer median of 1.18%. The leverage ratio was 10.70%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$85.8M
+5.8%y/y
Percentile by value4th percentileby value
FDIC
DEP$57.9M
−0.8%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET1.66%
+37 bpsy/y
Peer standing75th percentile
FDIC
NETINC + ROA53.35%
−545 bpsy/y
Peer standing79th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.70%
−24 bpsy/y
Peer standing42nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $74.6M | $59.7M |
| Q3 2021 | $73.2M | $58.3M |
| Q4 2021 | $79.3M | $52.8M |
| Q1 2022 | $74.8M | $62.5M |
| Q2 2022 | $77.4M | $63.5M |
| Q3 2022 | $85.7M | $64.1M |
| Q4 2022 | $89.7M | $66.7M |
| Q1 2023 | $91.1M | $71.5M |
| Q2 2023 | $91.5M | $70.6M |
| Q3 2023 | $94.1M | $73.6M |
| Q4 2023 | $99.3M | $75.4M |
| Q1 2024 | $99.9M | $80.9M |
| Q2 2024 | $101M | $80M |
| Q3 2024 | $99.6M | $79.6M |
| Q4 2024 | $96.2M | $75.3M |
| Q1 2025 | $96.8M | $81M |
| Q2 2025 | $97.2M | $77.6M |
| Q3 2025 | $98.5M | $77.7M |
| Q4 2025 | $100M | $79.1M |
| Q1 2026 | $106M | $85.8M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $7.46M |
| Investor CRE | $817K |
| Multifamily | $0 |
| Construction | $3.09M |
| 1–4 family | $11.3M |
| C&I | $4.41M |
| Agriculture | $30.7M |
| Other | $590K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.66%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE22.09%93rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.09%15th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.35%79th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+5.81%63rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−0.77%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ10.70%42nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.25%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.66%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.75%Median 1.31%90th 2.02%Observations 230
ROE
FDIC
NETINC + ROE22.09%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.47%Median 12.42%90th 19.31%Observations 230
NIM
FDIC
NIM + NIMY3.09%23rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.79%Median 3.56%90th 4.19%Observations 230
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.35%64th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.98%Median 57.23%90th 74.51%Observations 230
Deposits YoY
FDIC
DEP+5.81%74th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.59%Median +2.91%90th +9.45%Observations 229
Loans YoY
FDIC
LNLSNET−0.77%22nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.21%Median +4.38%90th +12.18%Observations 228
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.94%Observations 228
Leverage
FDIC
RBC1AAJ10.70%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.92%Median 10.85%90th 15.49%Observations 230
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.25%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.46%90th 3.29%Observations 229
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 88%90th 275%Observations 119
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.66%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.81%Median 1.28%90th 2.04%Observations 95
ROE
FDIC
NETINC + ROE22.09%99th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.98%Median 11.81%90th 17.88%Observations 95
NIM
FDIC
NIM + NIMY3.09%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.83%Median 3.55%90th 4.34%Observations 95
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.35%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.74%Median 57.27%90th 72.58%Observations 95
Deposits YoY
FDIC
DEP+5.81%76th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +2.96%90th +8.71%Observations 95
Loans YoY
FDIC
LNLSNET−0.77%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.60%Median +4.59%90th +11.43%Observations 95
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.33%90th 1.95%Observations 95
Leverage
FDIC
RBC1AAJ10.70%41st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.10%Median 11.04%90th 16.66%Observations 95
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.25%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.31%90th 3.25%Observations 95
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 52%90th 163%Observations 40
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Breda, IA
FDIC
OFFDOMOpen the Iowa dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data