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Farmers Savings Bank & Trust

Traer, IA · Cert 10122 · Talen Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$212.7MAssets
$114.8MLoans
$192.2MDeposits
$14.9MEquity
Loan mix
87%RE $69.9M10%C&I $8.3M3%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $149.0M22%Noninterest $43.2MQ3 2024Q2 2026

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.3% share · #17 of 35 inst. · $0.1B of $8.8B

14.5% Benton
18.5% Tama

Executive Summary

  • Earnings: ROA of 1.08%, down 1 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.25%, up 49 bps from a year ago.
  • Funding: loans stand at 59.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+38 bps YoY

Efficiency Ratio (YTD, annualized)

60.65%+230 bps YoY

Tier 1 Leverage Ratio

10.25%+49 bps YoY

NIM

3.78%Q2 ’244.07%Q2 ’254.30%Q2 ’26+9%+14%

Non-interest income vs. expense

1.78%Q2 ’241.90%Q2 ’252.05%Q2 ’26-1%+29%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.78%1.19%1.10%1.03%1.06%1.04%1.08%-1 bps
Return on Equity17.83%17.52%24.55%21.72%19.30%18.72%15.48%15.88%-584 bps
Net Interest Margin2.50%2.54%2.71%2.74%2.81%2.84%3.08%3.12%+38 bps
Efficiency Ratio64.22%65.54%56.37%58.35%59.03%59.18%59.61%60.65%+230 bps
Non-Interest Burden1.48%1.54%1.22%1.38%1.48%1.50%1.72%1.78%+40 bps
Growth
Asset Growth (YoY)0.60%-3.81%9.02%4.99%6.97%3.58%1.81%-1.27%-627 bps
Loan Growth (YoY)6.50%8.23%7.54%6.14%6.29%3.54%5.44%6.26%+12 bps
Deposit Growth (YoY)0.63%2.83%7.61%10.69%5.80%3.05%0.09%-3.38%-1,407 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.03%0.01%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%0.00%0.00%0.00%0.00%0.02%0.02%+2 bps
Allowance / Loans0.62%0.61%0.62%0.64%0.64%0.63%0.64%0.64%0 bps
Allowance Coverage of NPLsn/an/an/an/an/a23.6x92.6xn/an/a
Capital
Tier 1 Leverage Ratio9.79%9.91%9.88%9.77%9.99%10.04%10.27%10.25%+49 bps
Total Risk-Based Capital17.76%17.25%17.34%18.01%18.27%18.48%18.06%19.09%+108 bps
Equity / Assets5.95%4.63%5.06%5.43%6.19%7.02%6.49%7.01%+159 bps
Liquidity & Funding
Loans / Deposits53.26%59.62%51.65%54.31%53.51%59.91%54.41%59.73%+542 bps
Liquid Assets / Assets0.98%0.00%10.21%5.22%5.26%0.00%9.42%1.27%-395 bps
CRE / Total Capitaln/an/an/an/a68.28%74.49%73.03%n/an/a