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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

5.62%Q2 ’245.77%Q2 ’255.75%Q2 ’26+23%+11%

Non-interest income vs. expense

1.40%Q2 ’241.84%Q2 ’251.81%Q2 ’26+32%-5%

Executive Summary

  • Earnings: ROA of 1.22%, up 32 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.32% of loans (-76 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.22%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+35 bps YoY

Efficiency Ratio (quarter, annualized)

48.94%-683 bps YoY

Tier 1 Leverage Ratio

13.60%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.34%1.36%1.14%1.22%+32 bps
Return on Equity7.77%11.23%10.99%9.00%9.70%+193 bps
Net Interest Margin3.18%3.35%3.37%3.43%3.53%+35 bps
Efficiency Ratio55.77%36.19%41.76%49.67%48.94%-683 bps
Non-Interest Burden1.73%1.17%1.35%1.65%1.65%-8 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%0.90%0.90%1.33%0.00%0 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