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Farmers Savings Bank

Fostoria, IA · Cert 18284 · Fostoria Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$215.3MAssets
$174.3MLoans
$173.7MDeposits
$25.6MEquity
Loan mix
84%RE $127.8M14%C&I $22.1M2%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $147.7M15%Noninterest $25.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.75%, up 24 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 3.48% of loans (+162 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.59%, down 1 bps from a year ago.
  • Funding: loans stand at 100.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+29 bps YoY

Efficiency Ratio (YTD, annualized)

63.97%-275 bps YoY

Tier 1 Leverage Ratio

12.59%-1 bps YoY

NIM

4.51%Q2 ’244.95%Q2 ’255.08%Q2 ’26+36%+11%

Non-interest income vs. expense

1.85%Q2 ’241.90%Q2 ’252.02%Q2 ’26+3%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.36%0.27%0.51%0.67%0.74%0.91%0.75%+24 bps
Return on Equity2.25%3.26%2.40%4.51%5.86%6.51%7.90%6.45%+194 bps
Net Interest Margin2.06%2.11%2.65%2.73%2.78%2.80%3.05%3.02%+29 bps
Efficiency Ratio82.76%79.32%67.72%66.72%64.20%62.76%59.61%63.97%-275 bps
Non-Interest Burden1.68%1.65%1.75%1.78%1.74%1.71%1.76%1.88%+10 bps
Growth
Asset Growth (YoY)5.97%5.10%3.42%2.03%4.10%7.58%8.74%7.13%+510 bps
Loan Growth (YoY)11.61%12.63%8.25%6.17%7.63%9.91%11.47%11.67%+550 bps
Deposit Growth (YoY)13.30%10.71%3.89%-1.24%-5.30%-1.33%0.92%8.12%+936 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.34%1.91%1.85%2.61%1.42%2.66%3.48%+162 bps
Net Charge-Offs / Loans-0.04%-0.02%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.44%1.40%1.41%1.42%1.41%1.32%1.33%1.35%-6 bps
Allowance Coverage of NPLs4.5x4.2x0.7x0.8x0.5x0.9x0.5x0.4x-0.4x
Capital
Tier 1 Leverage Ratio12.38%12.30%12.67%12.61%12.74%12.54%12.47%12.59%-1 bps
Total Risk-Based Capital12.38%12.30%12.67%12.61%12.74%12.54%12.47%12.59%-1 bps
Equity / Assets11.25%11.22%11.31%11.34%11.58%11.55%11.51%11.89%+55 bps
Liquidity & Funding
Loans / Deposits88.46%90.25%95.68%97.17%100.53%100.53%105.68%100.36%+319 bps
Liquid Assets / Assets2.15%1.73%1.58%1.56%1.47%1.22%1.12%1.27%-29 bps
CRE / Total Capitaln/an/an/an/a193.49%197.25%203%n/an/a