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American State Bank

Osceola, IA · Cert 26944 · Osceola Bcorp

State charter, Fed member · FED · 4 branches

Q2 2026

$360.8MAssets
$249.1MLoans
$282.8MDeposits
$35.9MEquity
Loan mix
79%RE $157.3M15%C&I $30.2M6%Consumer $12.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $246.2M13%Noninterest $36.6MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.79%Q2 ’255.77%Q2 ’26+6%+0%

Non-interest income vs. expense

2.31%Q2 ’242.26%Q2 ’252.28%Q2 ’26-6%+2%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #47 of 57 inst. · $0.0B of $38.0B

55.4% Clarke
32.3% Decatur
9.8% Madison

Executive Summary

  • Earnings: ROA of 1.83%, down 1 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.04% of loans (-6 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.11%, up 8 bps from a year ago.
  • Funding: loans stand at 88.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.83%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+1 bps YoY

Efficiency Ratio (quarter, annualized)

48.96%+47 bps YoY

Tier 1 Leverage Ratio

11.11%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.66%1.76%1.74%1.83%-1 bps
Return on Equity20.30%17.33%17.79%17.60%18.54%-176 bps
Net Interest Margin3.95%3.88%3.82%3.81%3.96%+1 bps
Efficiency Ratio48.49%53.43%49.96%49.72%48.96%+47 bps
Non-Interest Burden1.55%1.71%1.54%1.53%1.58%+3 bps
Growth
Asset Growth (YoY)4.06%2.93%7.56%6.96%9.28%+522 bps
Loan Growth (YoY)5.69%2.07%4.12%4.16%5.25%-44 bps
Deposit Growth (YoY)7.60%9.72%8.15%5.23%8.99%+139 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.08%0.18%0.02%0.04%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.07%0.01%0.04%+4 bps
Allowance / Loans1.17%1.19%1.17%1.19%1.17%+1 bps
Allowance Coverage of NPLs12.0x15.6x6.4x65.7x31.8x+19.8x
Capital
Tier 1 Leverage Ratio11.03%11.22%11.16%11.29%11.11%+8 bps
Total Risk-Based Capital11.03%11.22%11.16%11.29%11.11%+8 bps
Equity / Assets9.27%9.86%9.94%9.79%9.95%+68 bps
Liquidity & Funding
Loans / Deposits91.22%90.82%88.85%88.07%88.09%-313 bps
Liquid Assets / Assets0.41%2.44%2.72%4.31%3.86%+345 bps
CRE / Total Capitaln/a116.42%116.31%117.60%n/an/a