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Savings Bank

Primghar, IA · Cert 13735 · Capital Bancshares Inc.

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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

79

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

Savings Bank

Primghar, IA · Cert 13735 · Capital Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$304.8MAssets
$230.3MLoans
$242.1MDeposits
$38.5MEquity
Loan mix
71%RE $97.4M26%C&I $34.9M3%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $219.7M9%Noninterest $22.4MQ2 2025Q2 2026

NIM

5.63%Q2 ’245.59%Q2 ’255.66%Q2 ’26+17%+12%

Non-interest income vs. expense

1.42%Q2 ’241.67%Q2 ’251.77%Q2 ’26+24%+4%

Executive Summary

  • Earnings: ROA of 1.18%, up 23 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.32% of loans (-76 bps YoY), with net charge-offs at 0.65%.
  • Capital: tier 1 leverage ratio of 13.60%, up 66 bps from a year ago.
  • Funding: loans stand at 95.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+38 bps YoY

Efficiency Ratio (YTD, annualized)

49.29%-341 bps YoY

Tier 1 Leverage Ratio

13.60%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.08%1.16%1.14%1.18%+23 bps
Return on Equity8.24%9.26%9.75%9.00%9.33%+110 bps
Net Interest Margin3.08%3.17%3.17%3.43%3.46%+38 bps
Efficiency Ratio52.71%46.93%45.55%49.67%49.29%-341 bps
Non-Interest Burden1.58%1.44%1.39%1.65%1.64%+6 bps
Growth
Asset Growth (YoY)4.35%4.18%5.01%3.28%5.16%+81 bps
Loan Growth (YoY)7.84%8.27%7.31%3.85%5.54%-229 bps
Deposit Growth (YoY)4.81%3.73%3.09%2.27%0.50%-431 bps
Asset Quality
Nonperforming Loans / Loans1.08%0.82%0.60%0.27%0.32%-76 bps
Net Charge-Offs / Loans0.00%0.30%0.46%1.33%0.65%+65 bps
Allowance / Loans1.80%1.66%1.57%1.32%1.39%-41 bps
Allowance Coverage of NPLs1.7x2.0x2.6x4.8x4.3x+2.6x
Capital
Tier 1 Leverage Ratio12.95%13.27%13.29%13.57%13.60%+66 bps
Total Risk-Based Capital15.51%16.40%17.11%13.57%13.60%-191 bps
Equity / Assets11.76%12.09%12.73%12.61%12.63%+86 bps
Liquidity & Funding
Loans / Deposits90.56%90.45%88.20%91.33%95.11%+454 bps
Liquid Assets / Assets1.47%1.17%0.43%0.90%1.16%-32 bps
CRE / Total Capitaln/a58.33%55.00%51.39%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

Savings Bank

Primghar, IA · Cert 13735 · Peer group: banks under $1B in assets in IA (n=134-135) · Capital Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$304.8MAssets
$230.3MLoans
$242.1MDeposits
$38.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 79% of banks under $1B in assets in IA (rank 30 of 135).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in IA (rank 129 of 134).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.16%

Rank 73 of 135

Net Interest Margin

3.46%

Rank 60 of 135

Efficiency Ratio

49.29%

Rank 30 of 135

Equity / Assets

12.63%

Rank 40 of 135

Non-interest income vs. expense

$0.4M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 79% of banks under $1B in assets in IA
Bank 49.29%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.92%1.19%1.47%Beats 46%73 / 135
Return on Equity9.17%7.99%10.26%13.14%Beats 37%85 / 135
Net Interest Margin3.46%2.95%3.41%3.73%Beats 56%60 / 135
Efficiency Ratio49.29%50.61%57.35%63.29%Beats 79%30 / 135
Asset Quality
Nonperforming Loans / Loans0.32%0.03%0.51%1.26%Beats 57%59 / 134
Net Charge-Offs / Loans0.33%n/a0.01%0.03%Beats 4%129 / 134
Capital
Tier 1 Capital Ratio13.60%11.23%13.31%15.45%Beats 54%62 / 135
Total Risk-Based Capital Ratio13.60%11.61%14.06%16.47%Beats 47%71 / 135
Equity / Assets12.63%9.87%11.05%13.07%Beats 70%40 / 135
Liquidity & Funding
Loans / Deposits95.11%68.54%81.55%91.24%81st pctl25 / 134
Loans / Assets75.55%57.61%68.06%76.23%74th pctl35 / 135
Brokered Deposits / Depositsn/aNot reported for this institution