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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 $3.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $110.7M20%Noninterest $27.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.26%, up 22 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.

Return on Assets (YTD, annualized)

2.26%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+27 bps YoY

Efficiency Ratio (YTD, annualized)

39.80%-48 bps YoY

Tier 1 Leverage Ratio

23.08%+155 bps YoY

NIM

5.57%Q2 ’245.42%Q2 ’255.61%Q2 ’26-5%+7%

Non-interest income vs. expense

1.73%Q2 ’241.76%Q2 ’251.93%Q2 ’26+1%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%1.97%1.96%2.03%2.10%1.95%2.21%2.26%+22 bps
Return on Equity10.36%9.33%9.44%9.73%9.90%9.17%10.18%10.21%+48 bps
Net Interest Margin4.15%4.05%3.99%3.98%4.01%3.98%4.16%4.25%+27 bps
Efficiency Ratio39.47%45.90%42.25%40.28%41.63%45.74%42.72%39.80%-48 bps
Non-Interest Burden1.41%1.62%1.45%1.37%1.36%1.55%1.34%1.33%-3 bps
Growth
Asset Growth (YoY)5.90%8.05%8.47%7.98%6.59%6.81%2.07%0.46%-752 bps
Loan Growth (YoY)8.01%4.37%7.81%9.55%11.20%10.91%8.90%8.53%-101 bps
Deposit Growth (YoY)4.40%8.63%8.79%8.31%6.36%6.13%0.57%-6.46%-1,477 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.27%0.30%0.18%0.17%0.16%0.24%0.34%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.15%0.10%0.07%-0.01%-0.01%-16 bps
Allowance / Loans0.53%0.54%0.52%0.43%0.43%0.42%0.41%0.41%-2 bps
Allowance Coverage of NPLs1.7x2.0x1.7x2.4x2.5x2.7x1.7x1.2x-1.2x
Capital
Tier 1 Leverage Ratio22.02%21.74%22.03%21.53%21.88%21.96%22.31%23.08%+155 bps
Total Risk-Based Capital22.02%21.74%22.03%21.53%21.88%21.96%22.31%23.08%+155 bps
Equity / Assets21.83%20.83%20.65%21.24%22.01%21.42%21.92%23.04%+181 bps
Liquidity & Funding
Loans / Deposits93.04%90.05%89.57%93.63%97.27%94.10%96.99%108.65%+1,501 bps
Liquid Assets / Assets2.21%5.04%5.45%3.85%1.96%5.15%3.00%0.30%-356 bps
CRE / Total Capitaln/an/an/an/a65.32%63.65%61.59%n/an/a