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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 $2.5MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $114.9M12%Noninterest $16.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.07%, up 47 bps year over year; NIM at 4.21%.
  • 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.

Return on Assets (quarter, annualized)

2.07%+47 bps YoY

Net Interest Margin (quarter, annualized)

4.21%+36 bps YoY

Efficiency Ratio (quarter, annualized)

39.20%-657 bps YoY

Tier 1 Leverage Ratio

10.46%+29 bps YoY

NIM

5.12%Q2 ’245.51%Q2 ’255.61%Q2 ’26+8%+9%

Non-interest income vs. expense

1.90%Q2 ’241.87%Q2 ’251.68%Q2 ’26+2%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.25%1.40%1.60%1.83%1.90%1.78%2.07%+47 bps
Return on Equity12.84%11.30%12.91%14.24%15.84%16.68%15.74%17.58%+333 bps
Net Interest Margin3.68%3.65%3.37%3.85%4.19%4.19%3.91%4.21%+36 bps
Efficiency Ratio48.45%48.60%47.06%45.77%37.68%39.90%43.00%39.20%-657 bps
Non-Interest Burden1.74%1.73%1.54%1.73%1.53%1.58%1.58%1.55%-18 bps
Growth
Asset Growth (YoY)4.43%14.93%13.67%7.48%10.02%3.05%2.63%0.78%-671 bps
Loan Growth (YoY)11.22%11.70%6.99%12.07%8.32%5.27%3.66%1.51%-1,056 bps
Deposit Growth (YoY)2.17%16.72%14.85%9.42%12.48%4.19%3.45%0.08%-934 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.00%0.00%0.04%0.02%0.20%0.20%+20 bps
Net Charge-Offs / Loans0.00%0.00%0.12%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.98%1.02%0.98%0.99%1.04%1.13%1.10%+13 bps
Allowance Coverage of NPLs25.4x22.1xn/a1183.0x22.1x56.6x5.6x5.5x-1177.5x
Capital
Tier 1 Leverage Ratio10.38%9.96%9.64%10.17%10.39%9.84%10.13%10.46%+29 bps
Total Risk-Based Capital13.73%13.59%14.97%14.55%14.24%14.13%15.15%15.57%+102 bps
Equity / Assets11.29%10.87%10.83%11.72%11.36%11.40%11.27%12.36%+64 bps
Liquidity & Funding
Loans / Deposits95.67%92.38%83.91%92.70%92.14%93.33%84.08%94.02%+132 bps
Liquid Assets / Assets1.41%5.57%13.52%5.60%4.42%3.20%12.73%2.53%-307 bps
CRE / Total Capitaln/an/an/an/a164.03%160.29%161.24%n/an/a