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Farmers Trust and Savings Bank

Williamsburg, IA · Cert 14392 · FTS Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$191.6MAssets
$150.1MLoans
$138.1MDeposits
$44.1MEquity
Loan mix
89%RE $100.8M8%C&I $9.3M3%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $110.7M20%Noninterest $27.4MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.53%Q2 ’255.59%Q2 ’26-1%+4%

Non-interest income vs. expense

1.81%Q2 ’241.72%Q2 ’251.71%Q2 ’26-9%-2%

Executive Summary

  • Earnings: ROA of 2.30%, up 21 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.34% of loans (+16 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 23.08%, up 155 bps from a year ago.
  • Funding: loans stand at 108.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.30%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+16 bps YoY

Efficiency Ratio (quarter, annualized)

36.64%-176 bps YoY

Tier 1 Leverage Ratio

23.08%+155 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.09%2.22%1.51%2.21%2.30%+21 bps
Return on Equity9.98%10.27%6.97%10.18%10.25%+26 bps
Net Interest Margin4.08%4.13%4.09%4.16%4.25%+16 bps
Efficiency Ratio38.40%44.02%57.95%42.72%36.64%-176 bps
Non-Interest Burden1.32%1.36%2.20%1.34%1.30%-3 bps
Growth
Asset Growth (YoY)7.98%6.59%6.81%2.07%0.46%-752 bps
Loan Growth (YoY)9.55%11.20%10.91%8.90%8.53%-101 bps
Deposit Growth (YoY)8.31%6.36%6.13%0.57%-6.46%-1,477 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.17%0.16%0.24%0.34%+16 bps
Net Charge-Offs / Loans0.31%-0.01%-0.02%-0.01%-0.01%-32 bps
Allowance / Loans0.43%0.43%0.42%0.41%0.41%-2 bps
Allowance Coverage of NPLs2.4x2.5x2.7x1.7x1.2x-1.2x
Capital
Tier 1 Leverage Ratio21.53%21.88%21.96%22.31%23.08%+155 bps
Total Risk-Based Capital21.53%21.88%21.96%22.31%23.08%+155 bps
Equity / Assets21.24%22.01%21.42%21.92%23.04%+181 bps
Liquidity & Funding
Loans / Deposits93.63%97.27%94.10%96.99%108.65%+1,501 bps
Liquid Assets / Assets3.85%1.96%5.15%3.00%0.30%-356 bps
CRE / Total Capitaln/a65.32%63.65%61.59%n/an/a