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Maquoketa State Bank

Maquoketa, IA · Cert 17903 · Ohnward Bancshares Inc.

State charter, Fed member · FED · 4 branches

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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

54

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

Maquoketa State Bank

Maquoketa, IA · Cert 17903 · Ohnward Bancshares Inc.

State charter, Fed member · FED · 2 affiliate banks · 4 branches (16 in holding)

Q2 2026

$429.0MAssets
$224.4MLoans
$327.4MDeposits
$67.5MEquity
Loan mix
74%RE $106.3M20%C&I $28.9M6%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $266.8M19%Noninterest $60.6MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.81%Q2 ’254.54%Q2 ’26+31%+1%

Non-interest income vs. expense

2.11%Q2 ’242.13%Q2 ’252.13%Q2 ’26+2%-1%

Executive Summary

  • Earnings: ROA of 1.44%, up 9 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.52% of loans (-63 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 16.45%, down 11 bps from a year ago.
  • Funding: loans stand at 68.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+2 bps YoY

Efficiency Ratio (YTD, annualized)

55.02%-48 bps YoY

Tier 1 Leverage Ratio

16.45%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.33%1.35%1.41%1.44%+9 bps
Return on Equity9.66%9.38%9.36%9.33%9.40%-26 bps
Net Interest Margin2.96%2.96%2.87%2.92%2.98%+2 bps
Efficiency Ratio55.50%55.66%55.68%53.80%55.02%-48 bps
Non-Interest Burden1.25%1.25%1.21%1.16%1.24%-1 bps
Growth
Asset Growth (YoY)3.16%3.59%3.26%5.73%1.87%-129 bps
Loan Growth (YoY)3.02%4.89%7.75%6.78%3.48%+46 bps
Deposit Growth (YoY)5.44%3.38%0.55%4.36%-0.89%-633 bps
Asset Quality
Nonperforming Loans / Loans1.15%0.99%0.83%1.21%0.52%-63 bps
Net Charge-Offs / Loans0.12%0.14%0.15%-0.04%-0.03%-15 bps
Allowance / Loans1.18%1.16%1.12%1.13%1.20%+2 bps
Allowance Coverage of NPLs1.0x1.2x1.3x0.9x2.3x+1.3x
Capital
Tier 1 Leverage Ratio16.56%16.97%16.42%16.55%16.45%-11 bps
Total Risk-Based Capital16.56%16.97%16.42%16.55%16.45%-11 bps
Equity / Assets14.44%14.72%15.28%14.97%15.74%+130 bps
Liquidity & Funding
Loans / Deposits65.65%64.56%65.83%65.26%68.54%+289 bps
Liquid Assets / Assets0.74%2.87%2.39%4.36%1.13%+39 bps
CRE / Total Capitaln/a29.78%31.00%29.98%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

Maquoketa State Bank

Maquoketa, IA · Cert 17903 · Peer group: banks under $1B in assets in IA (n=134-135) · Ohnward Bancshares Inc.

State charter, Fed member · FED · 2 affiliate banks · 4 branches (16 in holding)

Q2 2026

$429.0MAssets
$224.4MLoans
$327.4MDeposits
$67.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in IA (rank 17 of 135).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets in IA (rank 99 of 135).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.46%

Rank 36 of 135

Net Interest Margin

2.98%

Rank 99 of 135

Efficiency Ratio

55.02%

Rank 63 of 135

Equity / Assets

15.74%

Rank 17 of 135

Non-interest income vs. expense

$4.0M$9.6MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 54% of banks under $1B in assets in IA
Bank 55.02%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.92%1.19%1.47%Beats 73%36 / 135
Return on Equity9.29%7.99%10.26%13.14%Beats 39%83 / 135
Net Interest Margin2.98%2.95%3.41%3.73%Beats 27%99 / 135
Efficiency Ratio55.02%50.61%57.35%63.29%Beats 54%63 / 135
Asset Quality
Nonperforming Loans / Loans0.52%0.03%0.51%1.26%Beats 49%70 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 57%59 / 134
Capital
Tier 1 Capital Ratio16.45%11.23%13.31%15.45%Beats 81%26 / 135
Total Risk-Based Capital Ratio16.45%11.61%14.06%16.47%Beats 74%35 / 135
Equity / Assets15.74%9.87%11.05%13.07%Beats 87%17 / 135
Liquidity & Funding
Loans / Deposits68.54%68.54%81.55%91.24%25th pctl101 / 134
Loans / Assets52.31%57.61%68.06%76.23%16th pctl113 / 135
Brokered Deposits / Depositsn/aNot reported for this institution