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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 $1.7MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $115.8M15%Noninterest $20.4MQ2 2025Q2 2026

NIM

4.34%Q2 ’244.69%Q2 ’254.76%Q2 ’26+15%+12%

Non-interest income vs. expense

1.58%Q2 ’241.70%Q2 ’251.66%Q2 ’26+7%-4%

Executive Summary

  • Earnings: ROA of 0.99%, up 26 bps year over year; NIM at 2.83%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.99%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+31 bps YoY

Efficiency Ratio (quarter, annualized)

56.19%-884 bps YoY

Tier 1 Leverage Ratio

9.74%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.68%0.67%0.85%0.99%+26 bps
Return on Equity7.73%7.03%7.00%8.98%10.08%+235 bps
Net Interest Margin2.52%2.61%2.67%2.73%2.83%+31 bps
Efficiency Ratio65.03%67.37%68.84%61.38%56.19%-884 bps
Non-Interest Burden1.61%1.72%1.77%1.60%1.54%-6 bps
Growth
Asset Growth (YoY)2.66%3.19%-2.36%-1.93%-0.57%-322 bps
Loan Growth (YoY)10.13%8.66%2.89%4.46%2.63%-750 bps
Deposit Growth (YoY)3.40%3.84%4.17%2.05%1.32%-208 bps
Asset Quality
Nonperforming Loans / Loans0.91%1.61%0.87%0.52%0.11%-80 bps
Net Charge-Offs / Loans0.01%-0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.82%0.83%0.83%0.80%0.87%+5 bps
Allowance Coverage of NPLs0.9x0.5x0.9x1.5x7.7x+6.8x
Capital
Tier 1 Leverage Ratio9.33%9.54%9.51%9.48%9.74%+41 bps
Total Risk-Based Capital9.33%9.54%9.51%9.48%9.74%+41 bps
Equity / Assets9.68%9.60%9.42%9.54%10.04%+36 bps
Liquidity & Funding
Loans / Deposits89.78%90.67%86.03%92.26%90.93%+116 bps
Liquid Assets / Assets29.95%29.64%28.55%26.94%28.62%-132 bps
CRE / Total Capitaln/a43.25%42.23%40.64%n/an/a