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Audubon State Bank

Audubon, IA · Cert 5814 · Audubon County Investment Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$155.3MAssets
$123.2MLoans
$131.0MDeposits
$19.2MEquity
Loan mix
83%RE $75.6M14%C&I $12.9M3%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $114.9M12%Noninterest $16.1MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.38%Q2 ’255.48%Q2 ’26+7%+11%

Non-interest income vs. expense

1.88%Q2 ’241.80%Q2 ’251.70%Q2 ’26-2%-5%

Executive Summary

  • Earnings: ROA of 1.94%, up 43 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.20% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.46%, up 29 bps from a year ago.
  • Funding: loans stand at 94.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.94%+43 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+42 bps YoY

Efficiency Ratio (YTD, annualized)

41.04%-534 bps YoY

Tier 1 Leverage Ratio

10.46%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.60%1.69%1.78%1.94%+43 bps
Return on Equity13.57%14.33%15.01%15.74%16.64%+307 bps
Net Interest Margin3.66%3.81%3.76%3.91%4.08%+42 bps
Efficiency Ratio46.39%43.22%42.30%43.00%41.04%-534 bps
Non-Interest Burden1.66%1.60%1.54%1.58%1.57%-9 bps
Growth
Asset Growth (YoY)7.48%10.02%3.05%2.63%0.78%-671 bps
Loan Growth (YoY)12.07%8.32%5.27%3.66%1.51%-1,056 bps
Deposit Growth (YoY)9.42%12.48%4.19%3.45%0.08%-934 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.02%0.20%0.20%+20 bps
Net Charge-Offs / Loans0.06%0.04%0.03%0.00%0.00%-6 bps
Allowance / Loans0.98%0.99%1.04%1.13%1.10%+13 bps
Allowance Coverage of NPLs1183.0x22.1x56.6x5.6x5.5x-1177.5x
Capital
Tier 1 Leverage Ratio10.17%10.39%9.84%10.13%10.46%+29 bps
Total Risk-Based Capital14.55%14.24%14.13%15.15%15.57%+102 bps
Equity / Assets11.72%11.36%11.40%11.27%12.36%+64 bps
Liquidity & Funding
Loans / Deposits92.70%92.14%93.33%84.08%94.02%+132 bps
Liquid Assets / Assets5.60%4.42%3.20%12.73%2.53%-307 bps
CRE / Total Capitaln/a164.03%160.29%161.24%n/an/a