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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 1.10%, up 44 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.00% of loans (-20 bps YoY), with net recoveries of 0.07%.
  • 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 (quarter, annualized)

1.10%+44 bps YoY

Net Interest Margin (quarter, annualized)

2.70%+54 bps YoY

Efficiency Ratio (quarter, annualized)

53.73%-1,155 bps YoY

Tier 1 Leverage Ratio

15.08%+45 bps YoY

NIM

4.22%Q2 ’243.99%Q2 ’254.30%Q2 ’26+3%+25%

Non-interest income vs. expense

1.85%Q2 ’241.51%Q2 ’251.57%Q2 ’26-20%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.53%0.46%0.65%0.73%0.88%0.83%1.10%+44 bps
Return on Equity3.55%5.48%4.71%6.24%6.58%7.57%7.15%9.35%+311 bps
Net Interest Margin1.82%1.97%1.99%2.17%2.35%2.44%2.45%2.70%+54 bps
Efficiency Ratio79.41%70.25%74.01%65.28%64.11%60.34%60.96%53.73%-1,155 bps
Non-Interest Burden1.42%1.34%1.43%1.36%1.45%1.37%1.42%1.35%-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-0.11%0.02%-0.11%-0.08%-0.06%-0.10%-0.03%-0.07%+1 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