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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 $0.2MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $8.7M34%Noninterest $4.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.94%, up 20 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 1.68% of loans (+168 bps YoY), with net recoveries of 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.94%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+25 bps YoY

Efficiency Ratio (quarter, annualized)

47.72%+180 bps YoY

Tier 1 Leverage Ratio

11.41%+183 bps YoY

NIM

3.97%Q2 ’244.42%Q2 ’254.78%Q2 ’26+8%+6%

Non-interest income vs. expense

2.38%Q2 ’242.00%Q2 ’252.20%Q2 ’26-16%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%0.91%1.00%1.75%1.80%1.30%1.53%1.94%+20 bps
Return on Equity20.93%9.59%10.76%18.78%18.68%12.44%13.97%17.02%-176 bps
Net Interest Margin4.34%4.41%4.20%3.99%4.22%4.10%4.15%4.24%+25 bps
Efficiency Ratio49.02%76.21%72.28%45.92%49.28%59.18%57.65%47.72%+180 bps
Non-Interest Burden1.96%3.29%2.93%1.64%1.88%2.27%2.20%1.83%+18 bps
Growth
Asset Growth (YoY)-2.40%1.35%-0.26%4.87%8.10%-2.67%-4.55%-10.78%-1,565 bps
Loan Growth (YoY)15.16%9.06%8.60%21.50%17.12%18.60%6.57%-0.23%-2,173 bps
Deposit Growth (YoY)-6.77%-1.02%-0.64%5.96%10.69%-1.70%0.07%-10.74%-1,669 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%1.06%1.68%+168 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.13%0.00%0.00%-0.03%-3 bps
Allowance / Loans1.12%1.13%1.00%0.98%0.97%1.04%1.02%1.02%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a1.0x0.6xn/a
Capital
Tier 1 Leverage Ratio9.16%9.33%9.40%9.59%9.98%10.57%11.06%11.41%+183 bps
Total Risk-Based Capital16.01%16.07%15.06%14.96%16.01%16.67%16.63%17.12%+217 bps
Equity / Assets9.60%9.30%9.26%9.32%9.99%10.87%11.07%11.79%+246 bps
Liquidity & Funding
Loans / Deposits76.60%72.59%83.49%82.45%81.06%87.57%88.92%92.16%+971 bps
Liquid Assets / Assets19.27%18.44%22.25%18.66%18.56%18.26%18.20%15.23%-343 bps
CRE / Total Capitaln/an/an/an/a14.89%14.45%14.04%n/an/a