PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 0.99%, 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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.65%0.69%0.73%0.68%0.67%0.85%0.99%+26 bps
Return on Equity5.98%6.88%7.57%7.73%7.03%7.00%8.98%10.08%+235 bps
Net Interest Margin2.26%2.52%2.43%2.52%2.61%2.67%2.73%2.83%+31 bps
Efficiency Ratio69.57%69.14%65.56%65.03%67.37%68.84%61.38%56.19%-884 bps
Non-Interest Burden1.52%1.68%1.55%1.61%1.72%1.77%1.60%1.54%-6 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%0.01%-0.01%0.01%0.00%0.00%-1 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