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First Trust & Savings Bank

Coralville, IA · Cert 10123

FDIC · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=870 to 877). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2025peer median (50)

Asset Quality

58

Q2 2024Q2 2025peer median (50)

Profitability

3

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

2

Q2 2024Q2 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Trust & Savings Bank

Coralville, IA · Cert 10123

FDIC · 2 branches

Q2 2025

$52.6MAssets
$11.3MLoans
$46.5MDeposits
$3.8MEquity
Loan mix
56%RE $4.9M34%C&I $2.9M10%Consumer $0.9MQ3 2023Q2 2025
Deposit mix
89%Interest-bearing $41.5M11%Noninterest $4.9MQ3 2023Q2 2025

Return on Assets (YTD, annualized)

-0.39%+70 bps YoY

Net Interest Margin (YTD, annualized)

1.91%+42 bps YoY

Efficiency Ratio (YTD, annualized)

125.04%-2,598 bps YoY

Tier 1 Leverage Ratio

10.15%+59 bps YoY

NIM

2.97%Q2 ’233.23%Q2 ’243.16%Q2 ’25-7%+28%

Non-interest income vs. expense

2.23%Q2 ’232.42%Q2 ’242.57%Q2 ’25+9%+5%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Return on Assets-1.03%-0.62%-1.65%-1.09%-1.17%-0.75%-0.90%-0.39%+70 bps
Net Interest Margin1.42%1.40%1.36%1.50%1.55%1.58%1.83%1.91%+42 bps
Non-Interest Burden2.22%2.27%2.51%2.32%2.54%2.63%2.71%2.43%+11 bps
Loan Growth (YoY)4.09%9.46%16.93%3.13%7.69%0.33%-6.07%-1.47%-460 bps
Nonperforming Loans / Loans2.23%1.96%1.88%3.70%3.62%1.62%3.49%1.46%-225 bps
Allowance / Loans1.04%0.98%1.18%1.27%1.17%1.20%1.23%1.28%+1 bps
Tier 1 Leverage Ratio9.85%10.14%10.06%9.55%10.34%10.64%10.81%10.15%+59 bps
Equity / Assets4.40%6.28%6.04%5.66%7.47%6.83%7.33%7.31%+165 bps
Liquid Assets / Assets0.91%0.90%0.48%7.96%0.51%4.54%3.10%9.15%+118 bps

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Trust & Savings Bank

Coralville, IA · Cert 10123 · Peer group: banks under $1B in assets operating in a single state (n=870-877)

FDIC · 2 branches

Q2 2025

$52.6MAssets
$11.3MLoans
$46.5MDeposits
$3.8MEquity

Return on Assets

-0.38%

Rank 847 of 877

Net Interest Margin

1.91%

Rank 849 of 877

Efficiency Ratio

125.04%

Rank 858 of 877

Equity / Assets

7.31%

Rank 748 of 877

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 125.04%Peer median 68.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-0.38%0.59%0.91%1.33%Beats 3%847 / 877
Net Interest Margin1.91%2.93%3.45%4.01%Beats 3%849 / 877
Nonperforming Loans / Loans1.46%0.06%0.40%1.05%Beats 16%733 / 870
Tier 1 Capital Ratio10.15%11.42%13.82%17.56%Beats 10%790 / 877
Equity / Assets7.31%8.27%10.06%12.60%Beats 15%748 / 877
Loans / Assets21.54%53.01%66.67%76.13%1st pctl860 / 870