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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 1.74%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.96%1.00%1.37%1.53%1.48%1.53%1.74%+37 bps
Return on Equity11.07%10.72%10.76%14.79%16.12%15.21%13.97%15.49%+70 bps
Net Interest Margin3.93%4.07%4.20%4.05%4.09%4.21%4.15%4.19%+14 bps
Efficiency Ratio59.37%63.84%72.28%59.30%55.85%56.66%57.65%52.67%-662 bps
Non-Interest Burden2.17%2.46%2.93%2.25%2.12%2.21%2.20%2.01%-24 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 / Loans0.18%0.14%0.00%0.00%0.04%0.03%0.00%-0.02%-2 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