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Exchange State Bank, The

Springville, IA · Cert 16094 · Country Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

42

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

Exchange State Bank, The

Springville, IA · Cert 16094 · Country Bcorp

State charter, non-member · FDIC · 3 affiliate banks · 2 branches (12 in holding)

Q2 2026

$52.7MAssets
$28.5MLoans
$47.9MDeposits
$4.6MEquity
Loan mix
84%RE $21.0M11%C&I $2.6M5%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $41.0M14%Noninterest $6.9MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.22%Q2 ’255.17%Q2 ’26+19%+6%

Non-interest income vs. expense

2.58%Q2 ’242.86%Q2 ’252.74%Q2 ’26+8%-8%

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.5% share · #28 of 35 inst. · $0.0B of $8.8B

0.5% Linn
2.1% Jones

Executive Summary

  • Earnings: ROA of 1.02%, up 30 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.57% of loans (+47 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 9.51%, up 53 bps from a year ago.
  • Funding: loans stand at 59.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+19 bps YoY

Efficiency Ratio (YTD, annualized)

68.05%-823 bps YoY

Tier 1 Leverage Ratio

9.51%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.68%0.70%0.89%1.02%+30 bps
Return on Equity9.55%8.75%8.82%10.64%12.06%+251 bps
Net Interest Margin3.49%3.51%3.48%3.58%3.68%+19 bps
Efficiency Ratio76.27%77.08%76.67%71.35%68.05%-823 bps
Non-Interest Burden2.60%2.65%2.60%2.43%2.40%-20 bps
Growth
Asset Growth (YoY)-6.28%-7.59%-3.05%2.23%-0.08%+621 bps
Loan Growth (YoY)-7.06%-11.60%-9.11%-6.50%-4.25%+281 bps
Deposit Growth (YoY)-2.60%0.58%2.01%1.97%0.37%+297 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.10%0.00%1.13%0.57%+47 bps
Net Charge-Offs / Loans-0.03%-0.01%-0.02%-0.03%-0.04%-1 bps
Allowance / Loans1.30%1.31%1.36%1.38%1.38%+8 bps
Allowance Coverage of NPLs13.9x13.7xn/a1.2x2.4x-11.4x
Capital
Tier 1 Leverage Ratio8.98%9.08%9.14%9.02%9.51%+53 bps
Total Risk-Based Capital12.67%9.08%9.14%9.02%9.51%-316 bps
Equity / Assets7.87%8.42%8.56%8.19%8.64%+77 bps
Liquidity & Funding
Loans / Deposits62.28%62.95%61.45%58.00%59.41%-287 bps
Liquid Assets / Assets1.51%0.58%0.64%0.60%0.65%-85 bps
CRE / Total Capitaln/a80.97%92.53%76.26%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

Exchange State Bank, The

Springville, IA · Cert 16094 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Country Bcorp

State charter, non-member · FDIC · 3 affiliate banks · 2 branches (12 in holding)

Q2 2026

$52.7MAssets
$28.5MLoans
$47.9MDeposits
$4.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 723 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.04%

Rank 390 of 746

Net Interest Margin

3.68%

Rank 368 of 746

Efficiency Ratio

68.05%

Rank 435 of 746

Equity / Assets

8.64%

Rank 586 of 746

Non-interest income vs. expense

$0.2M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 68.05%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.72%1.06%1.45%Beats 48%390 / 746
Return on Equity11.98%6.74%10.51%13.63%Beats 63%278 / 746
Net Interest Margin3.68%3.17%3.68%4.16%Beats 51%368 / 746
Efficiency Ratio68.05%55.74%64.58%75.47%Beats 42%435 / 746
Asset Quality
Nonperforming Loans / Loans0.57%0.09%0.42%1.07%Beats 43%421 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio9.51%11.55%13.75%17.60%Beats 3%723 / 746
Total Risk-Based Capital Ratio9.51%11.71%14.33%18.43%Beats 3%723 / 746
Equity / Assets8.64%8.90%10.51%13.06%Beats 21%586 / 746
Liquidity & Funding
Loans / Deposits59.41%61.31%78.27%90.78%21st pctl588 / 746
Loans / Assets54.02%53.60%66.97%76.08%26th pctl555 / 746
Brokered Deposits / Depositsn/aNot reported for this institution