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TS Bank

Treynor, IA · Cert 14812 · TS Banking Group 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

71

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

TS Bank

Treynor, IA · Cert 14812 · TS Banking Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 7 branches (13 in holding)

Q2 2026

$432.7MAssets
$234.5MLoans
$387.4MDeposits
$25.9MEquity
Loan mix
69%RE $133.7M26%C&I $50.9M5%Consumer $9.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $344.9M11%Noninterest $42.6MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.67%Q2 ’254.67%Q2 ’26+1%+3%

Non-interest income vs. expense

3.44%Q2 ’242.66%Q2 ’253.47%Q2 ’26+62%-143%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.7% share · #20 of 77 inst. · $0.3B of $42.7B

11.8% Pottawattamie
52.8% Adams
0.9% Cass
0.2% Story

Executive Summary

  • Earnings: ROA of 2.21%, up 164 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 1.41% of loans (+103 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.61%, up 224 bps from a year ago.
  • Funding: loans stand at 60.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.21%+164 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+7 bps YoY

Efficiency Ratio (YTD, annualized)

51.20%-2,737 bps YoY

Tier 1 Leverage Ratio

10.61%+224 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.69%0.74%4.12%2.21%+164 bps
Return on Equity16.13%18.68%19.22%83.46%41.81%+2,568 bps
Net Interest Margin2.29%2.33%2.39%2.42%2.36%+7 bps
Efficiency Ratio78.57%76.23%75.05%33.90%51.20%-2,737 bps
Non-Interest Burden1.59%1.49%1.38%-3.37%-0.68%-226 bps
Growth
Asset Growth (YoY)2.82%-2.21%-6.11%0.84%-6.49%-931 bps
Loan Growth (YoY)6.60%2.94%1.37%15.97%6.60%0 bps
Deposit Growth (YoY)0.22%-2.98%-6.95%-5.37%-10.12%-1,034 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.62%1.32%0.59%1.41%+103 bps
Net Charge-Offs / Loans0.01%0.01%0.03%0.01%0.01%0 bps
Allowance / Loans1.05%1.14%1.20%1.19%1.16%+11 bps
Allowance Coverage of NPLs2.8x1.8x0.9x2.0x0.8x-1.9x
Capital
Tier 1 Leverage Ratio8.37%8.75%9.29%10.17%10.61%+224 bps
Total Risk-Based Capital11.23%12.28%12.28%13.03%13.56%+233 bps
Equity / Assets3.61%4.22%4.43%5.41%5.99%+238 bps
Liquidity & Funding
Loans / Deposits51.03%50.45%53.41%59.51%60.53%+949 bps
Liquid Assets / Assets21.63%23.13%23.07%21.57%22.80%+117 bps
CRE / Total Capitaln/a119.77%131.09%146.30%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

TS Bank

Treynor, IA · Cert 14812 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · TS Banking Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 7 branches (13 in holding)

Q2 2026

$432.7MAssets
$234.5MLoans
$387.4MDeposits
$25.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets in the Omaha, NE-IA area (rank 1 of 24).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 24 of 24).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.26%

Rank 3 of 24

Net Interest Margin

2.36%

Rank 23 of 24

Efficiency Ratio

53.42%

Rank 8 of 24

Equity / Assets

5.99%

Rank 24 of 24

Non-interest income vs. expense

$18.1M$15.2MINCOMEEXPENSE
Favorable gap of $3.0M · efficiency ratio beats 71% of banks under $1B in assets in the Omaha, NE-IA area
Bank 53.42%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.26%0.92%1.29%1.77%Beats 88%3 / 24
Return on Equity37.70%9.64%12.01%15.30%Beats 96%1 / 24
Net Interest Margin2.36%3.02%3.76%3.98%Beats 4%23 / 24
Efficiency Ratio53.42%49.60%59.31%66.55%Beats 71%8 / 24
Asset Quality
Nonperforming Loans / Loans1.41%0.10%0.37%1.03%Beats 12%22 / 24
Net Charge-Offs / Loans0.03%n/a0.00%0.03%Beats 29%18 / 24
Capital
Tier 1 Capital Ratio12.81%10.53%11.57%13.63%Beats 71%7 / 24
Total Risk-Based Capital Ratio13.56%11.15%12.06%13.90%Beats 63%9 / 24
Equity / Assets5.99%8.87%10.14%12.27%Beats 0%24 / 24
Liquidity & Funding
Loans / Deposits60.53%75.32%83.30%93.06%8th pctl22 / 24
Loans / Assets54.19%65.68%71.67%75.94%13th pctl21 / 24
Brokered Deposits / Depositsn/aNot reported for this institution