PackageTrendsPeer
Letter portraitLegal landscape

St. Ansgar State Bank

Saint Ansgar, IA · Cert 17259 · St Ansgar Bcorp

State charter, Fed member · FED · 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 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

54

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

St. Ansgar State Bank

Saint Ansgar, IA · Cert 17259 · St Ansgar Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$182.0MAssets
$123.9MLoans
$136.2MDeposits
$18.3MEquity
Loan mix
75%RE $62.7M23%C&I $19.3M2%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $115.8M15%Noninterest $20.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 21 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.11% of loans (-80 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.74%, up 41 bps from a year ago.
  • Funding: loans stand at 90.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+31 bps YoY

Efficiency Ratio (YTD, annualized)

58.79%-650 bps YoY

Tier 1 Leverage Ratio

9.74%+41 bps YoY

NIM

4.25%Q2 ’244.66%Q2 ’254.77%Q2 ’26+15%+13%

Non-interest income vs. expense

1.60%Q2 ’241.70%Q2 ’251.74%Q2 ’26+5%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.57%0.69%0.71%0.70%0.69%0.85%0.92%+21 bps
Return on Equity5.63%5.97%7.57%7.64%7.43%7.35%8.98%9.53%+189 bps
Net Interest Margin2.20%2.23%2.43%2.49%2.56%2.58%2.73%2.80%+31 bps
Efficiency Ratio70.45%70.08%65.56%65.29%66.00%66.75%61.38%58.79%-650 bps
Non-Interest Burden1.51%1.52%1.55%1.59%1.65%1.67%1.60%1.59%0 bps
Growth
Asset Growth (YoY)5.72%8.30%9.02%2.66%3.19%-2.36%-1.93%-0.57%-322 bps
Loan Growth (YoY)16.49%14.35%15.09%10.13%8.66%2.89%4.46%2.63%-750 bps
Deposit Growth (YoY)-2.43%-2.47%4.66%3.40%3.84%4.17%2.05%1.32%-208 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.05%0.61%0.91%1.61%0.87%0.52%0.11%-80 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.89%0.82%0.79%0.82%0.83%0.83%0.80%0.87%+5 bps
Allowance Coverage of NPLs27.7x17.5x1.3x0.9x0.5x0.9x1.5x7.7x+6.8x
Capital
Tier 1 Leverage Ratio9.82%9.59%9.17%9.33%9.54%9.51%9.48%9.74%+41 bps
Total Risk-Based Capital9.82%9.59%9.17%9.33%9.54%9.51%9.48%9.74%+41 bps
Equity / Assets9.76%9.11%9.12%9.68%9.60%9.42%9.54%10.04%+36 bps
Liquidity & Funding
Loans / Deposits86.65%87.10%90.13%89.78%90.67%86.03%92.26%90.93%+116 bps
Liquid Assets / Assets32.88%31.83%30.64%29.95%29.64%28.55%26.94%28.62%-132 bps
CRE / Total Capitaln/an/an/an/a43.25%42.23%40.64%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

St. Ansgar State Bank

Saint Ansgar, IA · Cert 17259 · Peer group: banks under $1B in assets in IA (n=134-135) · St Ansgar Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$182.0MAssets
$123.9MLoans
$136.2MDeposits
$18.3MEquity

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 98% of banks under $1B in assets in IA (rank 132 of 135).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.95%

Rank 98 of 135

Net Interest Margin

2.80%

Rank 109 of 135

Efficiency Ratio

58.79%

Rank 79 of 135

Equity / Assets

10.04%

Rank 94 of 135

Non-interest income vs. expense

$0.3M$3.3MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 42% of banks under $1B in assets in IA
Bank 58.79%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.92%1.19%1.47%Beats 27%98 / 135
Return on Equity9.42%7.99%10.26%13.14%Beats 40%81 / 135
Net Interest Margin2.80%2.95%3.41%3.73%Beats 19%109 / 135
Efficiency Ratio58.79%50.61%57.35%63.29%Beats 42%79 / 135
Asset Quality
Nonperforming Loans / Loans0.11%0.03%0.51%1.26%Beats 69%43 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio9.74%11.23%13.31%15.45%Beats 2%132 / 135
Total Risk-Based Capital Ratio9.74%11.61%14.06%16.47%Beats 2%132 / 135
Equity / Assets10.04%9.87%11.05%13.07%Beats 30%94 / 135
Liquidity & Funding
Loans / Deposits90.93%68.54%81.55%91.24%72nd pctl38 / 134
Loans / Assets68.06%57.61%68.06%76.23%50th pctl68 / 135
Brokered Deposits / Depositsn/aNot reported for this institution