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Cusb Bank

Cresco, IA · Cert 18443 · How-Win Development Co.

State charter, Fed member · FED · 7 branches

Q2 2026

$812.1MAssets
$643.1MLoans
$699.3MDeposits
$95.6MEquity
Loan mix
83%RE $425.0M12%C&I $61.8M5%Consumer $24.2MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $635.7M9%Noninterest $63.6MQ3 2024Q2 2026

Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 0.6% share · #22 of 23 inst. · $0.0B of $4.7B

66.9% Howard
17.0% Mitchell
12.2% Floyd
3.7% Winneshiek

Executive Summary

  • Earnings: ROA of 1.25%, up 19 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.65% of loans (-7 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 12.27%, up 52 bps from a year ago.
  • Funding: loans stand at 91.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+46 bps YoY

Efficiency Ratio (YTD, annualized)

54.50%+24 bps YoY

Tier 1 Leverage Ratio

12.27%+52 bps YoY

NIM

5.07%Q2 ’245.24%Q2 ’255.29%Q2 ’26+12%+15%

Non-interest income vs. expense

1.93%Q2 ’241.85%Q2 ’252.09%Q2 ’26-5%+16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.77%0.92%1.05%1.06%1.03%1.17%1.25%+19 bps
Return on Equity7.08%7.18%8.69%9.87%9.80%9.33%10.20%10.75%+88 bps
Net Interest Margin2.64%2.65%2.89%3.01%3.08%3.09%3.41%3.46%+46 bps
Efficiency Ratio62.99%62.51%56.57%54.26%55.03%56.07%55.17%54.50%+24 bps
Non-Interest Burden1.52%1.51%1.47%1.44%1.49%1.53%1.68%1.67%+23 bps
Growth
Asset Growth (YoY)9.92%4.69%6.82%2.71%1.87%4.50%2.31%4.65%+194 bps
Loan Growth (YoY)9.06%7.63%7.90%6.44%3.99%5.34%4.16%4.17%-226 bps
Deposit Growth (YoY)4.55%8.61%15.06%9.58%11.10%6.28%1.16%4.20%-538 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.16%0.31%0.71%0.54%0.82%0.35%0.65%-7 bps
Net Charge-Offs / Loans0.04%0.09%0.04%0.05%0.05%0.06%0.11%0.19%+14 bps
Allowance / Loans1.25%1.26%1.30%1.34%1.40%1.39%1.41%1.40%+5 bps
Allowance Coverage of NPLs2.9x7.7x4.2x1.9x2.6x1.7x4.0x2.2x+0.3x
Capital
Tier 1 Leverage Ratio11.68%11.47%11.60%11.76%12.15%12.07%12.33%12.27%+52 bps
Total Risk-Based Capital11.68%11.47%11.60%11.76%12.15%12.07%12.33%12.27%+52 bps
Equity / Assets11.00%10.59%10.56%10.93%11.38%11.46%11.57%11.77%+85 bps
Liquidity & Funding
Loans / Deposits93.43%89.96%87.16%91.99%87.46%89.16%89.75%91.97%-2 bps
Liquid Assets / Assets1.84%1.37%1.23%0.46%1.68%1.11%1.28%0.75%+30 bps
CRE / Total Capitaln/an/an/an/a158.65%170.90%166.65%n/an/a