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Dysart State Bank

Dysart, IA · Cert 17441 · Dysart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

48

Q2 2024Q2 2026peer median

Efficiency

65

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

Dysart State Bank

Dysart, IA · Cert 17441 · Dysart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$16.5MAssets
$12.2MLoans
$13.3MDeposits
$1.9MEquity
Loan mix
95%RE $8.8M3%C&I $0.3M2%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $8.7M34%Noninterest $4.6MQ2 2025Q2 2026

NIM

3.97%Q2 ’244.43%Q2 ’254.78%Q2 ’26+10%+4%

Non-interest income vs. expense

2.68%Q2 ’242.62%Q2 ’252.42%Q2 ’26+1%-11%

Executive Summary

  • Earnings: ROA of 1.74%, up 37 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 1.68% of loans (+168 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.41%, up 183 bps from a year ago.
  • Funding: loans stand at 92.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+14 bps YoY

Efficiency Ratio (YTD, annualized)

52.67%-662 bps YoY

Tier 1 Leverage Ratio

11.41%+183 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.53%1.48%1.53%1.74%+37 bps
Return on Equity14.79%16.12%15.21%13.97%15.49%+70 bps
Net Interest Margin4.05%4.09%4.21%4.15%4.19%+14 bps
Efficiency Ratio59.30%55.85%56.66%57.65%52.67%-662 bps
Non-Interest Burden2.25%2.12%2.21%2.20%2.01%-24 bps
Growth
Asset Growth (YoY)4.87%8.10%-2.67%-4.55%-10.78%-1,565 bps
Loan Growth (YoY)21.50%17.12%18.60%6.57%-0.23%-2,173 bps
Deposit Growth (YoY)5.96%10.69%-1.70%0.07%-10.74%-1,669 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.06%1.68%+168 bps
Net Charge-Offs / Loans0.00%0.04%0.03%0.00%-0.02%-2 bps
Allowance / Loans0.98%0.97%1.04%1.02%1.02%+4 bps
Allowance Coverage of NPLsn/an/an/a1.0x0.6xn/a
Capital
Tier 1 Leverage Ratio9.59%9.98%10.57%11.06%11.41%+183 bps
Total Risk-Based Capital14.96%16.01%16.67%16.63%17.12%+217 bps
Equity / Assets9.32%9.99%10.87%11.07%11.79%+246 bps
Liquidity & Funding
Loans / Deposits82.45%81.06%87.57%88.92%92.16%+971 bps
Liquid Assets / Assets18.66%18.56%18.26%18.20%15.23%-343 bps
CRE / Total Capitaln/a14.89%14.45%14.04%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

Dysart State Bank

Dysart, IA · Cert 17441 · Peer group: banks under $1B in assets in IA (n=134-135) · Dysart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$16.5MAssets
$12.2MLoans
$13.3MDeposits
$1.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in IA (rank 111 of 134).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.78%

Rank 12 of 135

Net Interest Margin

4.19%

Rank 10 of 135

Efficiency Ratio

52.67%

Rank 48 of 135

Equity / Assets

11.79%

Rank 54 of 135

Non-interest income vs. expense

$70K$414KINCOMEEXPENSE
Unfavorable gap of $344K · efficiency ratio beats 65% of banks under $1B in assets in IA
Bank 52.67%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.78%0.92%1.19%1.47%Beats 91%12 / 135
Return on Equity15.06%7.99%10.26%13.14%Beats 85%20 / 135
Net Interest Margin4.19%2.95%3.41%3.73%Beats 93%10 / 135
Efficiency Ratio52.67%50.61%57.35%63.29%Beats 65%48 / 135
Asset Quality
Nonperforming Loans / Loans1.68%0.03%0.51%1.26%Beats 18%111 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio16.09%11.23%13.31%15.45%Beats 79%28 / 135
Total Risk-Based Capital Ratio17.12%11.61%14.06%16.47%Beats 81%25 / 135
Equity / Assets11.79%9.87%11.05%13.07%Beats 60%54 / 135
Liquidity & Funding
Loans / Deposits92.16%68.54%81.55%91.24%77th pctl31 / 134
Loans / Assets73.98%57.61%68.06%76.23%67th pctl45 / 135
Brokered Deposits / Depositsn/aNot reported for this institution