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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 $1.7MQ3 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