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Farmers Savings Bank

Wever, IA · Cert 10500 · FSB Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in IA (n=134 to 135). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer 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

Farmers Savings Bank

Wever, IA · Cert 10500 · FSB Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$130.5MAssets
$89.4MLoans
$111.0MDeposits
$14.8MEquity
Loan mix
76%RE $60.1M21%C&I $16.1M3%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $87.6M21%Noninterest $23.5MQ2 2025Q2 2026

NIM

3.99%Q2 ’244.78%Q2 ’254.71%Q2 ’26+31%+13%

Non-interest income vs. expense

2.27%Q2 ’242.52%Q2 ’252.53%Q2 ’26+15%+2%

Executive Summary

  • Earnings: ROA of 0.49%, up 21 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.27% of loans (-3 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 13.71%, down 27 bps from a year ago.
  • Funding: loans stand at 80.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+34 bps YoY

Efficiency Ratio (YTD, annualized)

79.75%-788 bps YoY

Tier 1 Leverage Ratio

13.71%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.33%0.37%0.42%0.49%+21 bps
Return on Equity2.82%3.23%3.65%3.95%4.57%+175 bps
Net Interest Margin2.67%2.68%2.64%2.96%3.01%+34 bps
Efficiency Ratio87.63%85.91%84.23%81.87%79.75%-788 bps
Non-Interest Burden2.32%2.27%2.19%2.39%2.36%+5 bps
Growth
Asset Growth (YoY)1.28%2.58%7.29%3.10%1.23%-5 bps
Loan Growth (YoY)12.39%12.72%0.32%-2.06%3.42%-897 bps
Deposit Growth (YoY)9.18%6.62%8.17%1.50%-0.14%-932 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.28%0.28%0.28%0.27%-3 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.11%0.04%+6 bps
Allowance / Loans1.35%1.31%1.31%1.34%1.30%-5 bps
Allowance Coverage of NPLs4.6x4.6x4.7x4.7x4.8x+0.2x
Capital
Tier 1 Leverage Ratio13.97%13.56%13.14%13.39%13.71%-27 bps
Total Risk-Based Capital13.97%13.56%13.14%13.39%13.71%-27 bps
Equity / Assets10.14%10.46%10.56%10.58%11.34%+120 bps
Liquidity & Funding
Loans / Deposits77.78%83.36%79.24%76.67%80.55%+277 bps
Liquid Assets / Assets5.11%5.64%7.28%8.20%4.71%-40 bps
CRE / Total Capitaln/a80.04%83.45%78.22%n/an/a

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

Farmers Savings Bank

Wever, IA · Cert 10500 · Peer group: banks under $1B in assets in IA (n=134-135) · FSB Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$130.5MAssets
$89.4MLoans
$111.0MDeposits
$14.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 60% of banks under $1B in assets in IA (rank 55 of 134).
  • Widest gap: return on assets trails 94% of banks under $1B in assets in IA (rank 127 of 135).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.51%

Rank 127 of 135

Net Interest Margin

3.01%

Rank 98 of 135

Efficiency Ratio

79.75%

Rank 126 of 135

Equity / Assets

11.34%

Rank 61 of 135

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 7% of banks under $1B in assets in IA
Bank 79.75%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.92%1.19%1.47%Beats 6%127 / 135
Return on Equity4.45%7.99%10.26%13.14%Beats 7%126 / 135
Net Interest Margin3.01%2.95%3.41%3.73%Beats 27%98 / 135
Efficiency Ratio79.75%50.61%57.35%63.29%Beats 7%126 / 135
Asset Quality
Nonperforming Loans / Loans0.27%0.03%0.51%1.26%Beats 60%55 / 134
Net Charge-Offs / Loans0.03%n/a0.01%0.03%Beats 25%102 / 134
Capital
Tier 1 Capital Ratio13.71%11.23%13.31%15.45%Beats 57%58 / 135
Total Risk-Based Capital Ratio13.71%11.61%14.06%16.47%Beats 49%69 / 135
Equity / Assets11.34%9.87%11.05%13.07%Beats 55%61 / 135
Liquidity & Funding
Loans / Deposits80.55%68.54%81.55%91.24%48th pctl70 / 134
Loans / Assets68.52%57.61%68.06%76.23%51st pctl66 / 135
Brokered Deposits / Depositsn/aNot reported for this institution