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Mediapolis Savings Bank

Mediapolis, IA · Cert 15772 · Mediapolis Bcorp

State charter, non-member · FDIC · 5 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

45

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

Mediapolis Savings Bank

Mediapolis, IA · Cert 15772 · Mediapolis Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$269.9MAssets
$213.6MLoans
$225.8MDeposits
$27.6MEquity
Loan mix
83%RE $134.2M13%C&I $20.5M4%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $188.0M17%Noninterest $37.8MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.78%Q2 ’255.35%Q2 ’26+15%+19%

Non-interest income vs. expense

1.96%Q2 ’242.04%Q2 ’252.17%Q2 ’26+4%+9%

Executive Summary

  • Earnings: ROA of 1.24%, up 23 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.39% of loans (+15 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.20%, up 127 bps from a year ago.
  • Funding: loans stand at 94.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+55 bps YoY

Efficiency Ratio (YTD, annualized)

56.72%-507 bps YoY

Tier 1 Leverage Ratio

10.20%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.04%1.03%1.12%1.24%+23 bps
Return on Equity11.13%11.14%10.96%11.39%12.52%+139 bps
Net Interest Margin2.94%2.97%2.99%3.49%3.49%+55 bps
Efficiency Ratio61.79%60.80%61.92%59.84%56.72%-507 bps
Non-Interest Burden1.74%1.73%1.77%2.02%1.90%+16 bps
Growth
Asset Growth (YoY)4.90%5.08%2.97%5.05%2.11%-278 bps
Loan Growth (YoY)6.69%8.42%7.73%9.07%11.72%+502 bps
Deposit Growth (YoY)10.48%10.24%3.15%2.96%-1.38%-1,186 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.25%0.29%0.30%0.39%+15 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.02%-0.01%-1 bps
Allowance / Loans1.13%1.11%1.06%1.03%1.00%-13 bps
Allowance Coverage of NPLs4.7x4.4x3.6x3.4x2.6x-2.2x
Capital
Tier 1 Leverage Ratio8.93%9.27%8.95%10.13%10.20%+127 bps
Total Risk-Based Capital8.93%9.27%8.95%10.13%10.20%+127 bps
Equity / Assets9.30%9.88%9.86%9.72%10.24%+94 bps
Liquidity & Funding
Loans / Deposits83.50%86.01%90.28%89.29%94.58%+1,109 bps
Liquid Assets / Assets6.41%6.43%4.22%5.64%3.70%-271 bps
CRE / Total Capitaln/a72.70%75.99%70.32%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

Mediapolis Savings Bank

Mediapolis, IA · Cert 15772 · Peer group: banks under $1B in assets in IA (n=134-135) · Mediapolis Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$269.9MAssets
$213.6MLoans
$225.8MDeposits
$27.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in IA (rank 127 of 135).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 64 of 135

Net Interest Margin

3.49%

Rank 56 of 135

Efficiency Ratio

58.14%

Rank 75 of 135

Equity / Assets

10.24%

Rank 88 of 135

Non-interest income vs. expense

$0.7M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 45% of banks under $1B in assets in IA
Bank 58.14%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.92%1.19%1.47%Beats 53%64 / 135
Return on Equity12.02%7.99%10.26%13.14%Beats 66%46 / 135
Net Interest Margin3.49%2.95%3.41%3.73%Beats 59%56 / 135
Efficiency Ratio58.14%50.61%57.35%63.29%Beats 45%75 / 135
Asset Quality
Nonperforming Loans / Loans0.39%0.03%0.51%1.26%Beats 54%62 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio10.20%11.23%13.31%15.45%Beats 8%124 / 135
Total Risk-Based Capital Ratio10.20%11.61%14.06%16.47%Beats 6%127 / 135
Equity / Assets10.24%9.87%11.05%13.07%Beats 35%88 / 135
Liquidity & Funding
Loans / Deposits94.58%68.54%81.55%91.24%81st pctl26 / 134
Loans / Assets79.14%57.61%68.06%76.23%82nd pctl24 / 135
Brokered Deposits / Depositsn/aNot reported for this institution