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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 $4.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $219.7M9%Noninterest $22.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.44%0.99%0.95%1.08%1.16%1.14%1.18%+23 bps
Return on Equity5.75%3.90%8.71%8.24%9.26%9.75%9.00%9.33%+110 bps
Net Interest Margin2.60%2.64%3.08%3.08%3.17%3.17%3.43%3.46%+38 bps
Efficiency Ratio51.79%50.64%49.41%52.71%46.93%45.55%49.67%49.29%-341 bps
Non-Interest Burden1.28%1.24%1.48%1.58%1.44%1.39%1.65%1.64%+6 bps
Growth
Asset Growth (YoY)4.94%0.17%2.20%4.35%4.18%5.01%3.28%5.16%+81 bps
Loan Growth (YoY)6.96%3.91%6.81%7.84%8.27%7.31%3.85%5.54%-229 bps
Deposit Growth (YoY)5.68%8.24%3.30%4.81%3.73%3.09%2.27%0.50%-431 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.77%1.70%1.08%0.82%0.60%0.27%0.32%-76 bps
Net Charge-Offs / Loans1.28%0.97%0.00%0.00%0.30%0.46%1.33%0.65%+65 bps
Allowance / Loans1.04%1.68%1.71%1.80%1.66%1.57%1.32%1.39%-41 bps
Allowance Coverage of NPLs0.6x0.9x1.0x1.7x2.0x2.6x4.8x4.3x+2.6x
Capital
Tier 1 Leverage Ratio12.87%12.81%13.21%12.95%13.27%13.29%13.57%13.60%+66 bps
Total Risk-Based Capital15.83%15.50%15.19%15.51%16.40%17.11%13.57%13.60%-191 bps
Equity / Assets11.47%11.30%11.47%11.76%12.09%12.73%12.61%12.63%+86 bps
Liquidity & Funding
Loans / Deposits86.65%84.73%89.94%90.56%90.45%88.20%91.33%95.11%+454 bps
Liquid Assets / Assets0.60%1.20%1.03%1.47%1.17%0.43%0.90%1.16%-32 bps
CRE / Total Capitaln/an/an/an/a58.33%55.00%51.39%n/an/a