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Ashton State Bank

Ashton, IA · Cert 11343 · Ashton Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

53

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

Ashton State Bank

Ashton, IA · Cert 11343 · Ashton Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.5MAssets
$34.6MLoans
$44.5MDeposits
$6.6MEquity
Loan mix
71%RE $19.0M22%C&I $5.9M7%Consumer $2.0MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $39.9M10%Noninterest $4.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.15%, up 10 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.88% of loans (-308 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.70%, up 56 bps from a year ago.
  • Funding: loans stand at 77.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+41 bps YoY

Efficiency Ratio (YTD, annualized)

55.64%-216 bps YoY

Tier 1 Leverage Ratio

14.70%+56 bps YoY

NIM

4.81%Q2 ’245.06%Q2 ’255.11%Q2 ’26+8%+14%

Non-interest income vs. expense

1.92%Q2 ’241.85%Q2 ’251.97%Q2 ’26-5%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.72%0.91%1.05%1.16%1.14%1.04%1.15%+10 bps
Return on Equity7.70%7.34%9.48%10.55%11.17%10.72%9.01%9.84%-72 bps
Net Interest Margin2.66%2.65%2.81%2.94%3.04%3.08%3.29%3.35%+41 bps
Efficiency Ratio66.94%67.59%62.06%57.79%55.16%56.82%61.26%55.64%-216 bps
Non-Interest Burden1.70%1.70%1.65%1.59%1.55%1.63%1.95%1.78%+19 bps
Growth
Asset Growth (YoY)6.84%2.96%1.90%-0.64%-3.46%-4.00%-0.54%-0.08%+55 bps
Loan Growth (YoY)9.84%7.99%5.17%-4.61%-8.84%-9.05%-5.42%-1.47%+314 bps
Deposit Growth (YoY)1.43%9.56%5.32%2.67%3.69%-2.83%-2.05%-1.47%-415 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.01%0.00%3.97%0.63%1.13%0.82%0.88%-308 bps
Net Charge-Offs / Loans0.00%0.04%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.09%1.07%1.11%1.19%1.23%1.18%1.17%1.20%+2 bps
Allowance Coverage of NPLs17.7x83.2xn/a0.3x2.0x1.0x1.4x1.4x+1.1x
Capital
Tier 1 Leverage Ratio13.69%13.32%13.56%14.14%14.76%14.35%14.54%14.70%+56 bps
Total Risk-Based Capital16.87%18.36%16.73%14.14%19.92%18.33%14.54%20.26%+612 bps
Equity / Assets10.29%9.33%9.91%10.66%11.80%11.63%11.47%12.04%+138 bps
Liquidity & Funding
Loans / Deposits87.62%85.53%81.26%77.64%77.03%80.06%78.46%77.64%0 bps
Liquid Assets / Assets0.08%0.09%0.07%1.43%1.45%1.43%1.85%1.84%+41 bps
CRE / Total Capitaln/an/an/an/a30.99%31.30%30.22%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

Ashton State Bank

Ashton, IA · Cert 11343 · Peer group: banks under $1B in assets in IA (n=134-135) · Ashton Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.5MAssets
$34.6MLoans
$44.5MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: nonperforming loans / loans trails 66% of banks under $1B in assets in IA (rank 90 of 134).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.15%

Rank 75 of 135

Net Interest Margin

3.35%

Rank 73 of 135

Efficiency Ratio

55.64%

Rank 65 of 135

Equity / Assets

12.04%

Rank 51 of 135

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 53% of banks under $1B in assets in IA
Bank 55.64%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%0.92%1.19%1.47%Beats 44%75 / 135
Return on Equity9.59%7.99%10.26%13.14%Beats 41%80 / 135
Net Interest Margin3.35%2.95%3.41%3.73%Beats 46%73 / 135
Efficiency Ratio55.64%50.61%57.35%63.29%Beats 53%65 / 135
Asset Quality
Nonperforming Loans / Loans0.88%0.03%0.51%1.26%Beats 34%90 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio19.26%11.23%13.31%15.45%Beats 88%16 / 135
Total Risk-Based Capital Ratio20.26%11.61%14.06%16.47%Beats 88%16 / 135
Equity / Assets12.04%9.87%11.05%13.07%Beats 62%51 / 135
Liquidity & Funding
Loans / Deposits77.64%68.54%81.55%91.24%43rd pctl77 / 134
Loans / Assets63.43%57.61%68.06%76.23%37th pctl85 / 135
Brokered Deposits / Depositsn/aNot reported for this institution