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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