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Maynard Savings Bank

Maynard, IA · Cert 13736 · Fayette Bcorp

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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

51

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

Maynard Savings Bank

Maynard, IA · Cert 13736 · Fayette Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$108.4MAssets
$48.3MLoans
$88.2MDeposits
$13.2MEquity
Loan mix
82%RE $38.2M12%C&I $5.7M5%Consumer $2.4MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $72.0M18%Noninterest $16.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.97%, up 41 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 1.00% of loans (-20 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 15.08%, up 45 bps from a year ago.
  • Funding: loans stand at 54.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+50 bps YoY

Efficiency Ratio (YTD, annualized)

57.16%-1,233 bps YoY

Tier 1 Leverage Ratio

15.08%+45 bps YoY

NIM

4.21%Q2 ’243.91%Q2 ’254.24%Q2 ’26-2%+24%

Non-interest income vs. expense

1.87%Q2 ’241.55%Q2 ’251.59%Q2 ’26-18%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.36%0.46%0.56%0.61%0.68%0.83%0.97%+41 bps
Return on Equity3.57%4.15%4.71%5.51%5.90%6.37%7.15%8.20%+269 bps
Net Interest Margin1.86%1.85%1.99%2.08%2.17%2.20%2.45%2.58%+50 bps
Efficiency Ratio80.89%78.06%74.01%69.49%67.55%65.51%60.96%57.16%-1,233 bps
Non-Interest Burden1.47%1.41%1.43%1.40%1.42%1.38%1.42%1.39%-1 bps
Growth
Asset Growth (YoY)51.04%-4.15%0.54%2.36%0.25%3.71%3.52%-0.11%-247 bps
Loan Growth (YoY)29.91%10.29%8.56%2.87%2.83%-0.86%-1.19%-2.00%-486 bps
Deposit Growth (YoY)55.71%-5.10%-3.04%0.47%-1.01%1.49%5.23%-1.72%-219 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.77%0.92%1.20%1.26%0.94%0.86%1.00%-20 bps
Net Charge-Offs / Loans-0.07%-0.04%-0.11%-0.10%-0.09%-0.09%-0.03%-0.05%+5 bps
Allowance / Loans1.86%1.81%1.82%1.88%1.87%1.91%1.91%1.98%+10 bps
Allowance Coverage of NPLs2.0x2.3x2.0x1.6x1.5x2.0x2.2x2.0x+0.4x
Capital
Tier 1 Leverage Ratio14.23%14.06%14.43%14.63%14.87%14.79%14.73%15.08%+45 bps
Total Risk-Based Capital14.23%14.06%14.43%14.63%14.87%14.79%14.73%15.08%+45 bps
Equity / Assets9.83%9.37%10.17%10.79%11.34%11.88%11.35%12.15%+136 bps
Liquidity & Funding
Loans / Deposits53.30%55.81%57.48%54.97%55.36%54.52%53.98%54.82%-16 bps
Liquid Assets / Assets3.98%3.84%3.29%3.89%4.82%1.62%2.24%1.93%-196 bps
CRE / Total Capitaln/an/an/an/a22.44%22.22%23.28%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

Maynard Savings Bank

Maynard, IA · Cert 13736 · Peer group: banks under $1B in assets in IA (n=134-135) · Fayette Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$108.4MAssets
$48.3MLoans
$88.2MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in IA (rank 125 of 135).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.98%

Rank 94 of 135

Net Interest Margin

2.58%

Rank 125 of 135

Efficiency Ratio

57.16%

Rank 67 of 135

Equity / Assets

12.15%

Rank 48 of 135

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 51% of banks under $1B in assets in IA
Bank 57.16%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.98%0.92%1.19%1.47%Beats 30%94 / 135
Return on Equity8.10%7.99%10.26%13.14%Beats 26%100 / 135
Net Interest Margin2.58%2.95%3.41%3.73%Beats 7%125 / 135
Efficiency Ratio57.16%50.61%57.35%63.29%Beats 51%67 / 135
Asset Quality
Nonperforming Loans / Loans1.00%0.03%0.51%1.26%Beats 28%97 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio15.08%11.23%13.31%15.45%Beats 69%42 / 135
Total Risk-Based Capital Ratio15.08%11.61%14.06%16.47%Beats 64%49 / 135
Equity / Assets12.15%9.87%11.05%13.07%Beats 64%48 / 135
Liquidity & Funding
Loans / Deposits54.82%68.54%81.55%91.24%11th pctl119 / 134
Loans / Assets44.60%57.61%68.06%76.23%10th pctl122 / 135
Brokered Deposits / Depositsn/aNot reported for this institution