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Farmers Savings Bank

Colesburg, IA · Cert 14807 · Marjon Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Savings Bank

Colesburg, IA · Cert 14807 · Marjon Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$299.1MAssets
$183.8MLoans
$260.2MDeposits
$28.6MEquity
Loan mix
77%RE $104.8M19%C&I $25.2M4%Consumer $5.7MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $234.3M10%Noninterest $25.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.69%, up 9 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 1.87% of loans (-28 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.99%, unchanged from a year ago.
  • Funding: loans stand at 70.66% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.69%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+13 bps YoY

Efficiency Ratio (YTD, annualized)

67.82%-798 bps YoY

Tier 1 Leverage Ratio

10.99%0 bps YoY

NIM

4.85%Q2 ’245.15%Q2 ’255.29%Q2 ’26+17%+5%

Non-interest income vs. expense

1.85%Q2 ’242.20%Q2 ’252.09%Q2 ’26+18%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.47%0.42%0.59%0.71%0.66%0.73%0.69%+9 bps
Return on Equity4.66%4.43%4.30%6.19%7.38%6.89%7.62%7.21%+101 bps
Net Interest Margin2.17%2.14%2.94%2.60%2.67%2.56%2.74%2.73%+13 bps
Efficiency Ratio74.67%76.46%83.92%75.80%69.21%70.07%65.25%67.82%-798 bps
Non-Interest Burden1.57%1.59%2.46%1.92%1.82%1.78%1.76%1.85%-7 bps
Growth
Asset Growth (YoY)0.02%-4.48%16.95%19.22%19.43%21.48%4.51%6.53%-1,269 bps
Loan Growth (YoY)1.79%2.55%22.70%22.40%24.38%23.75%4.14%8.41%-1,398 bps
Deposit Growth (YoY)-2.14%-5.13%19.82%22.25%22.68%23.90%4.49%5.89%-1,637 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.00%1.82%2.15%1.56%1.60%1.96%1.87%-28 bps
Net Charge-Offs / Loans0.10%0.08%-0.01%0.03%0.01%0.00%0.02%0.01%-2 bps
Allowance / Loans2.86%2.76%2.30%2.29%2.29%2.23%2.20%2.12%-17 bps
Allowance Coverage of NPLs80.2x978.8x1.3x1.1x1.5x1.4x1.1x1.1x+0.1x
Capital
Tier 1 Leverage Ratio12.79%12.44%12.38%10.98%11.18%10.79%11.04%10.99%0 bps
Total Risk-Based Capital12.79%12.44%12.38%10.98%11.18%10.79%11.04%10.99%0 bps
Equity / Assets11.18%10.37%9.27%9.22%9.61%9.47%9.58%9.57%+35 bps
Liquidity & Funding
Loans / Deposits67.26%67.68%70.70%69.01%68.19%67.60%70.46%70.66%+165 bps
Liquid Assets / Assets14.92%15.66%16.56%18.70%19.03%19.46%17.39%15.74%-296 bps
CRE / Total Capitaln/an/an/an/a51.82%57.31%54.76%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Savings Bank

Colesburg, IA · Cert 14807 · Peer group: banks under $1B in assets in IA (n=134-135) · Marjon Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$299.1MAssets
$183.8MLoans
$260.2MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 41% of banks under $1B in assets in IA (rank 80 of 134).
  • Widest gap: return on assets trails 88% of banks under $1B in assets in IA (rank 119 of 135).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.68%

Rank 119 of 135

Net Interest Margin

2.73%

Rank 118 of 135

Efficiency Ratio

70.48%

Rank 114 of 135

Equity / Assets

9.57%

Rank 106 of 135

Non-interest income vs. expense

$0.7M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 16% of banks under $1B in assets in IA
Bank 70.48%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.68%0.92%1.19%1.47%Beats 12%119 / 135
Return on Equity7.07%7.99%10.26%13.14%Beats 19%110 / 135
Net Interest Margin2.73%2.95%3.41%3.73%Beats 13%118 / 135
Efficiency Ratio70.48%50.61%57.35%63.29%Beats 16%114 / 135
Asset Quality
Nonperforming Loans / Loans1.87%0.03%0.51%1.26%Beats 14%116 / 134
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 41%80 / 134
Capital
Tier 1 Capital Ratio10.99%11.23%13.31%15.45%Beats 19%109 / 135
Total Risk-Based Capital Ratio10.99%11.61%14.06%16.47%Beats 16%114 / 135
Equity / Assets9.57%9.87%11.05%13.07%Beats 21%106 / 135
Liquidity & Funding
Loans / Deposits70.66%68.54%81.55%91.24%27th pctl98 / 134
Loans / Assets61.47%57.61%68.06%76.23%32nd pctl92 / 135
Brokered Deposits / Depositsn/aNot reported for this institution