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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

4.69%Q2 ’244.72%Q2 ’254.72%Q2 ’260%-1%

Non-interest income vs. expense

3.50%Q2 ’242.49%Q2 ’253.62%Q2 ’26-26%+47%

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 0.25%, down 39 bps year over year; NIM at 2.29%.
  • 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 (quarter, annualized)

0.25%-39 bps YoY

Net Interest Margin (quarter, annualized)

2.29%-2 bps YoY

Efficiency Ratio (quarter, annualized)

92.19%+1,982 bps YoY

Tier 1 Leverage Ratio

10.61%+224 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.93%0.89%4.12%0.25%-39 bps
Return on Equity17.74%23.73%20.67%83.46%4.33%-1,341 bps
Net Interest Margin2.31%2.35%2.33%2.42%2.29%-2 bps
Efficiency Ratio72.37%72.23%72.55%33.90%92.19%+1,982 bps
Non-Interest Burden1.39%1.26%0.90%-3.37%2.04%+65 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 / Loans0.00%0.03%0.06%0.01%0.01%+1 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