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Sanborn Savings Bank

Sanborn, IA · Cert 11352 · San Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$92.7MAssets
$67.4MLoans
$66.6MDeposits
$8.7MEquity
Loan mix
88%RE $40.5M5%C&I $2.5M6%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $61.5M8%Noninterest $5.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.95%, up 9 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.26%, down 3 bps from a year ago.
  • Funding: loans stand at 101.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+8 bps YoY

Efficiency Ratio (YTD, annualized)

61.67%-304 bps YoY

Tier 1 Leverage Ratio

9.26%-3 bps YoY

NIM

4.73%Q2 ’245.02%Q2 ’255.06%Q2 ’26+20%+3%

Non-interest income vs. expense

1.84%Q2 ’242.06%Q2 ’252.02%Q2 ’26+13%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.68%0.87%0.86%0.86%0.85%0.99%0.95%+9 bps
Return on Equity7.09%7.49%9.33%9.18%9.23%9.03%10.38%10.05%+87 bps
Net Interest Margin2.58%2.69%3.06%3.03%3.03%2.92%3.14%3.11%+8 bps
Efficiency Ratio68.97%69.22%62.75%64.71%64.72%65.38%61.73%61.67%-304 bps
Non-Interest Burden1.72%1.79%1.85%1.89%1.89%1.85%1.87%1.85%-5 bps
Growth
Asset Growth (YoY)-0.98%-1.05%-0.50%1.93%9.45%6.10%4.89%7.25%+533 bps
Loan Growth (YoY)6.02%6.67%9.10%5.22%12.74%6.65%1.97%7.94%+273 bps
Deposit Growth (YoY)4.67%5.83%1.95%2.28%0.30%0.72%-3.13%2.33%+5 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0 bps
Net Charge-Offs / Loans0.04%0.03%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.33%1.26%1.28%1.28%1.21%1.25%1.27%1.25%-3 bps
Allowance Coverage of NPLs59.5x96.8x114.1x133.2x133.2x135.7x162.8x209.8x+76.6x
Capital
Tier 1 Leverage Ratio9.25%9.38%9.30%9.29%9.40%9.11%9.40%9.26%-3 bps
Total Risk-Based Capital9.25%9.38%9.30%9.29%9.40%9.11%9.40%9.26%-3 bps
Equity / Assets9.56%9.18%9.37%9.52%9.37%9.50%9.57%9.40%-12 bps
Liquidity & Funding
Loans / Deposits88.44%90.16%92.32%95.88%99.41%95.47%97.18%101.14%+526 bps
Liquid Assets / Assets6.89%6.43%6.40%6.61%6.10%6.07%5.80%5.43%-118 bps
CRE / Total Capitaln/an/an/an/a62.75%62.19%68.34%n/an/a