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Farmers Trust & Savings Bank

Buffalo Center, IA · Cert 14195 · Koss-Winn Bancshares Employee STK Ownership Plan With 401 K Provisions

State charter, Fed member · FED · 6 branches

Q2 2026

$422.7MAssets
$364.3MLoans
$373.8MDeposits
$47.2MEquity
Loan mix
85%RE $184.0M13%C&I $28.8M2%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $300.7M20%Noninterest $73.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.48%, up 34 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.06% of loans (-71 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.91%, down 138 bps from a year ago.
  • Funding: loans stand at 97.47% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.48%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+43 bps YoY

Efficiency Ratio (quarter, annualized)

57.52%-202 bps YoY

Tier 1 Leverage Ratio

9.91%-138 bps YoY

NIM

5.31%Q2 ’245.47%Q2 ’255.50%Q2 ’26+12%+13%

Non-interest income vs. expense

2.16%Q2 ’242.22%Q2 ’252.53%Q2 ’26+4%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.96%0.97%1.15%1.25%1.15%1.10%1.48%+34 bps
Return on Equity7.09%8.44%8.56%10.02%10.70%10.01%10.23%13.86%+384 bps
Net Interest Margin2.91%2.98%3.08%3.31%3.65%3.53%3.52%3.74%+43 bps
Efficiency Ratio68.37%64.50%63.29%59.54%59.33%62.98%62.82%57.52%-202 bps
Non-Interest Burden1.87%1.74%1.82%1.81%2.00%2.00%2.07%1.91%+9 bps
Growth
Asset Growth (YoY)3.96%1.52%2.09%2.63%1.03%3.87%1.57%20.06%+1,743 bps
Loan Growth (YoY)3.56%-0.29%1.02%1.93%0.57%1.40%2.29%15.31%+1,339 bps
Deposit Growth (YoY)4.04%3.78%3.87%3.59%2.32%2.37%3.94%24.59%+2,100 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.77%0.76%0.77%0.02%0.09%0.10%0.06%-71 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.01%-0.02%0.00%0.07%+7 bps
Allowance / Loans1.65%1.61%1.59%1.61%1.65%1.62%1.59%1.51%-11 bps
Allowance Coverage of NPLs2.1x2.1x2.1x2.1x88.3x17.6x16.5x24.1x+22.0x
Capital
Tier 1 Leverage Ratio11.37%11.45%11.42%11.29%11.53%11.64%10.07%9.91%-138 bps
Total Risk-Based Capital11.37%11.45%11.42%11.29%11.53%11.64%10.07%9.91%-138 bps
Equity / Assets11.52%11.29%11.36%11.56%11.81%11.24%10.18%11.17%-39 bps
Liquidity & Funding
Loans / Deposits106.50%103.82%104.42%105.31%104.68%102.84%102.77%97.47%-784 bps
Liquid Assets / Assets0.04%0.17%0.05%0.04%0.10%0.04%0.15%0.31%+27 bps
CRE / Total Capitaln/an/an/an/a47.29%50.68%57.48%n/an/a