Treynor, IA · Cert 14812 · TS Banking Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 7 branches (13 in holding)
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.7% share · #20 of 77 inst. · $0.3B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.38% | 0.51% | 0.57% | 0.69% | 0.74% | 4.12% | 2.21% | +164 bps | |
| Return on Equity | 16.95% | 11.78% | 14.60% | 16.13% | 18.68% | 19.22% | 83.46% | 41.81% | +2,568 bps | |
| Net Interest Margin | 2.31% | 2.28% | 2.26% | 2.29% | 2.33% | 2.39% | 2.42% | 2.36% | +7 bps | |
| Efficiency Ratio | 78.60% | 81.92% | 85.00% | 78.57% | 76.23% | 75.05% | 33.90% | 51.20% | -2,737 bps | |
| Non-Interest Burden | 1.41% | 1.56% | 1.78% | 1.59% | 1.49% | 1.38% | -3.37% | -0.68% | -226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 4.75% | 2.54% | 2.82% | -2.21% | -6.11% | 0.84% | -6.49% | -931 bps | |
| Loan Growth (YoY) | 3.33% | 6.87% | 3.09% | 6.60% | 2.94% | 1.37% | 15.97% | 6.60% | 0 bps | |
| Deposit Growth (YoY) | 7.44% | 2.08% | 1.08% | 0.22% | -2.98% | -6.95% | -5.37% | -10.12% | -1,034 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 0.36% | 0.21% | 0.38% | 0.62% | 1.32% | 0.59% | 1.41% | +103 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.03% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.00% | 1.04% | 1.08% | 1.05% | 1.14% | 1.20% | 1.19% | 1.16% | +11 bps | |
| Allowance Coverage of NPLs | 0.7x | 2.9x | 5.1x | 2.8x | 1.8x | 0.9x | 2.0x | 0.8x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.97% | 8.17% | 8.17% | 8.37% | 8.75% | 9.29% | 10.17% | 10.61% | +224 bps | |
| Total Risk-Based Capital | 10.69% | 10.60% | 11.24% | 11.23% | 12.28% | 12.28% | 13.03% | 13.56% | +233 bps | |
| Equity / Assets | 3.11% | 3.46% | 3.53% | 3.61% | 4.22% | 4.43% | 5.41% | 5.99% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.54% | 49.02% | 48.56% | 51.03% | 50.45% | 53.41% | 59.51% | 60.53% | +949 bps | |
| Liquid Assets / Assets | 23.00% | 21.09% | 21.81% | 21.63% | 23.13% | 23.07% | 21.57% | 22.80% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 119.77% | 131.09% | 146.30% | n/a | n/a | |