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Trubank

Indianola, IA · Cert 25267 · Community Bancshares Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$494.6MAssets
$289.0MLoans
$366.1MDeposits
$46.4MEquity
Loan mix
84%RE $226.2M15%C&I $40.0M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $297.8M19%Noninterest $68.4MQ2 2025Q2 2026

NIM

4.75%Q2 ’245.24%Q2 ’255.18%Q2 ’26+20%+1%

Non-interest income vs. expense

2.20%Q2 ’242.05%Q2 ’252.12%Q2 ’26-43%+65%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.7% share · #21 of 57 inst. · $0.3B of $38.0B

14.7% Warren
12.1% Mahaska
4.8% Jasper
0.8% Dallas

Executive Summary

  • Earnings: ROA of 0.98%, down 73 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.33% of loans (-59 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.23%, down 9 bps from a year ago.
  • Funding: loans stand at 78.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.98%-73 bps YoY

Net Interest Margin (quarter, annualized)

3.38%+4 bps YoY

Efficiency Ratio (quarter, annualized)

57.45%+986 bps YoY

Tier 1 Leverage Ratio

9.23%-9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.28%1.13%1.20%0.98%-73 bps
Return on Equity18.98%13.47%11.77%12.84%10.41%-856 bps
Net Interest Margin3.34%3.49%3.33%3.39%3.38%+4 bps
Efficiency Ratio47.59%51.67%62.63%57.16%57.45%+986 bps
Non-Interest Burden1.11%1.67%1.99%1.83%1.83%+72 bps
Growth
Asset Growth (YoY)14.50%8.51%11.36%7.13%3.80%-1,070 bps
Loan Growth (YoY)7.08%10.99%4.91%3.57%0.78%-630 bps
Deposit Growth (YoY)9.20%4.19%4.75%4.17%6.45%-274 bps
Asset Quality
Nonperforming Loans / Loans1.93%1.61%1.41%1.43%1.33%-59 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.07%1.08%1.15%1.20%1.25%+18 bps
Allowance Coverage of NPLs0.6x0.7x0.8x0.8x0.9x+0.4x
Capital
Tier 1 Leverage Ratio9.32%9.54%9.10%9.32%9.23%-9 bps
Total Risk-Based Capital9.32%9.54%9.10%9.32%9.23%-9 bps
Equity / Assets9.06%9.93%9.34%9.37%9.39%+33 bps
Liquidity & Funding
Loans / Deposits83.38%87.34%82.33%80.07%78.93%-444 bps
Liquid Assets / Assets0.15%1.29%5.70%5.65%5.05%+490 bps
CRE / Total Capitaln/a299%292%283%n/an/a