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Iowa State Bank

Des Moines, IA · Cert 15808 · Iowa State Bank Holding Co.

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 the Des Moines-West Des Moines, 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 Des Moines-West Des Moines, IA area (n=18 to 19). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

26

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

Iowa State Bank

Des Moines, IA · Cert 15808 · Iowa State Bank Holding Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$480.5MAssets
$276.6MLoans
$392.0MDeposits
$70.6MEquity
Loan mix
92%RE $243.3M8%C&I $20.4M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $298.7M24%Noninterest $93.3MQ2 2025Q2 2026

NIM

3.97%Q2 ’244.18%Q2 ’254.50%Q2 ’26+6%+11%

Non-interest income vs. expense

3.29%Q2 ’243.02%Q2 ’253.36%Q2 ’26-18%+10%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.0% share · #18 of 57 inst. · $0.4B of $38.0B

Executive Summary

  • Earnings: ROA of 1.43%, up 4 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.92%, up 38 bps from a year ago.
  • Funding: loans stand at 70.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+35 bps YoY

Efficiency Ratio (YTD, annualized)

63.73%-19 bps YoY

Tier 1 Leverage Ratio

15.92%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.46%1.45%1.18%1.43%+4 bps
Return on Equity9.76%10.15%10.03%7.99%9.73%-3 bps
Net Interest Margin3.06%3.23%3.24%3.31%3.41%+35 bps
Efficiency Ratio63.92%62.38%63.20%70.01%63.73%-19 bps
Non-Interest Burden1.36%1.38%1.41%1.77%1.50%+14 bps
Growth
Asset Growth (YoY)4.59%3.45%-0.64%0.04%4.24%-35 bps
Loan Growth (YoY)-0.41%-1.34%-4.01%-3.25%2.85%+326 bps
Deposit Growth (YoY)3.56%3.36%-0.37%-0.41%3.72%+16 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.02%0.02%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.74%0.72%0.74%0.75%0.75%+1 bps
Allowance Coverage of NPLs41.5x40.0x40.9x42.6xn/an/a
Capital
Tier 1 Leverage Ratio15.54%15.31%15.46%15.54%15.92%+38 bps
Total Risk-Based Capital15.54%15.31%15.46%15.54%15.92%+38 bps
Equity / Assets14.89%14.74%14.77%14.72%14.68%-21 bps
Liquidity & Funding
Loans / Deposits71.15%71.70%69.32%70.06%70.56%-60 bps
Liquid Assets / Assets9.89%6.16%9.58%7.08%9.83%-6 bps
CRE / Total Capitaln/a257%250%249%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

Iowa State Bank

Des Moines, IA · Cert 15808 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Iowa State Bank Holding Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$480.5MAssets
$276.6MLoans
$392.0MDeposits
$70.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 18).
  • Widest gap: return on equity trails 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 17 of 19).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.40%

Rank 6 of 19

Net Interest Margin

3.41%

Rank 13 of 19

Efficiency Ratio

63.73%

Rank 15 of 19

Equity / Assets

14.68%

Rank 2 of 19

Non-interest income vs. expense

$8.5M$15.4MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 26% of banks under $1B in assets in the Des Moines-West Des Moines, IA area
Bank 63.73%Peer median 57.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%1.05%1.15%1.42%Beats 68%6 / 19
Return on Equity9.56%10.97%12.15%13.79%Beats 11%17 / 19
Net Interest Margin3.41%3.08%3.50%3.67%Beats 32%13 / 19
Efficiency Ratio63.73%52.38%57.82%63.73%Beats 26%15 / 19
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.21%0.91%Beats 100%6 / 18
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%Beats 100%5 / 18
Capital
Tier 1 Capital Ratio15.92%10.79%12.38%16.13%Beats 68%6 / 19
Total Risk-Based Capital Ratio15.92%11.60%13.40%17.04%Beats 68%6 / 19
Equity / Assets14.68%8.64%9.66%11.07%Beats 89%2 / 19
Liquidity & Funding
Loans / Deposits70.56%65.91%76.09%88.00%37th pctl12 / 19
Loans / Assets57.56%57.37%63.36%76.16%26th pctl14 / 19
Brokered Deposits / Depositsn/aNot reported for this institution