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Iowa Savings Bank

Carroll, IA · Cert 14690

State charter, non-member · 5 branches

Q1 2026

$295.0MAssets
$149.4MLoans
$265.2MDeposits
$22.4MEquity
Loan mix
84%RE $104.6M15%C&I $19.2M1%Consumer $1.1MQ2 2024Q1 2026
Deposit mix
89%Interest-bearing $235.4M11%Noninterest $29.8MQ2 2024Q1 2026

Executive Summary

  • Earnings: ROA of 1.01%, down 19 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 1.33% of loans (+133 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.35%, down 92 bps from a year ago.
  • Funding: loans stand at 56.34% of deposits as of Q1 2026.

Return on Assets (YTD, annualized)

1.01%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-19 bps YoY

Efficiency Ratio (YTD, annualized)

60.41%+607 bps YoY

Tier 1 Leverage Ratio

8.35%-92 bps YoY

NIM

4.63%Q1 ’244.74%Q1 ’254.49%Q1 ’26+10%-6%

Non-interest income vs. expense

1.89%Q1 ’241.83%Q1 ’251.94%Q1 ’26+1%+6%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.08%1.12%1.20%1.25%1.24%1.28%1.01%-19 bps
Return on Equity14.01%13.78%14.34%15.34%15.50%15.04%15.63%13.03%-231 bps
Net Interest Margin2.77%2.79%2.83%2.97%3.00%2.96%2.93%2.78%-19 bps
Efficiency Ratio57.81%57.89%57.12%54.33%53.61%54.56%53.79%60.41%+607 bps
Non-Interest Burden1.39%1.42%1.41%1.43%1.40%1.41%1.36%1.51%+8 bps
Growth
Asset Growth (YoY)5.71%5.37%-0.18%3.74%1.82%4.75%6.41%5.35%+160 bps
Loan Growth (YoY)5.23%5.24%2.90%-2.83%-4.42%-5.44%-13.53%-15.71%-1,289 bps
Deposit Growth (YoY)5.02%3.87%1.50%4.06%1.08%3.30%5.25%4.90%+84 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.33%+133 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.11%1.09%1.15%1.15%1.17%1.27%1.37%+22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a1.0xn/an/a
Capital
Tier 1 Leverage Ratio9.23%9.35%8.97%9.27%9.43%9.50%8.34%8.35%-92 bps
Total Risk-Based Capital9.23%9.35%8.97%9.27%9.43%9.50%8.34%8.35%-92 bps
Equity / Assets7.55%8.46%7.62%8.03%8.48%8.94%7.87%7.60%-43 bps
Liquidity & Funding
Loans / Deposits75.61%76.31%75.60%70.12%71.50%69.85%62.11%56.34%-1,378 bps
Liquid Assets / Assets5.80%3.75%3.59%8.33%7.59%5.98%7.87%15.86%+753 bps
CRE / Total Capitaln/an/an/an/an/a180.43%193.47%188.17%n/a