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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 0.66%, down 9 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.87% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.66%-9 bps YoY

Net Interest Margin (quarter, annualized)

2.76%+16 bps YoY

Efficiency Ratio (quarter, annualized)

70.40%+245 bps YoY

Tier 1 Leverage Ratio

10.99%0 bps YoY

NIM

4.83%Q2 ’245.29%Q2 ’255.34%Q2 ’26+24%+6%

Non-interest income vs. expense

1.88%Q2 ’241.98%Q2 ’252.16%Q2 ’260%+18%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.39%0.42%0.75%0.92%0.51%0.73%0.66%-9 bps
Return on Equity4.93%3.60%4.30%8.08%9.75%5.38%7.62%6.88%-120 bps
Net Interest Margin2.18%2.27%2.94%2.61%2.83%2.52%2.74%2.76%+16 bps
Efficiency Ratio72.91%81.46%83.92%67.95%57.21%72.76%65.25%70.40%+245 bps
Non-Interest Burden1.54%1.81%2.46%1.66%1.64%1.84%1.76%1.95%+29 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 / Loans0.00%0.04%-0.01%0.07%-0.03%-0.01%0.02%0.00%-6 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