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New Albin Savings Bank

New Albin, IA · Cert 8506

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New Albin Savings Bank

New Albin, IA · Cert 8506

State charter, non-member · FDIC · 1 branch

Q2 2026

$350.6MAssets
$118.5MLoans
$296.6MDeposits
$51.9MEquity
Loan mix
90%RE $95.4M6%C&I $6.4M4%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $278.7M6%Noninterest $17.9MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.35%Q2 ’254.39%Q2 ’26+1%+19%

Non-interest income vs. expense

0.61%Q2 ’240.63%Q2 ’250.64%Q2 ’26+6%+1%

Executive Summary

  • Earnings: ROA of 1.04%, up 20 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.53%, down 20 bps from a year ago.
  • Funding: loans stand at 39.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+20 bps YoY

Net Interest Margin (YTD, annualized)

1.88%+30 bps YoY

Efficiency Ratio (YTD, annualized)

33.59%-556 bps YoY

Tier 1 Leverage Ratio

15.53%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.86%0.87%1.01%1.04%+20 bps
Return on Equity5.86%5.90%5.95%6.78%7.00%+114 bps
Net Interest Margin1.58%1.64%1.68%1.85%1.88%+30 bps
Efficiency Ratio39.15%40.39%40.19%33.89%33.59%-556 bps
Non-Interest Burden0.61%0.65%0.66%0.61%0.62%+1 bps
Growth
Asset Growth (YoY)5.39%4.89%5.98%5.11%3.94%-145 bps
Loan Growth (YoY)-2.01%0.69%1.47%4.77%4.40%+641 bps
Deposit Growth (YoY)6.20%6.25%5.71%5.34%5.00%-119 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.01%0.07%0.00%-4 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.92%0.90%0.90%0.88%0.88%-4 bps
Allowance Coverage of NPLs23.3x23.1x173.3x12.2xn/an/a
Capital
Tier 1 Leverage Ratio15.73%15.90%15.68%15.75%15.53%-20 bps
Total Risk-Based Capital42.44%42.04%41.30%40.73%40.67%-176 bps
Equity / Assets14.46%15.09%15.04%14.80%14.81%+35 bps
Liquidity & Funding
Loans / Deposits40.18%40.36%40.01%39.81%39.94%-23 bps
Liquid Assets / Assets0.05%0.00%0.03%0.01%0.02%-3 bps
CRE / Total Capitaln/a11.59%12.14%14.32%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

New Albin Savings Bank

New Albin, IA · Cert 8506 · Peer group: banks under $1B in assets in IA (n=134-135)

State charter, non-member · FDIC · 1 branch

Q2 2026

$350.6MAssets
$118.5MLoans
$296.6MDeposits
$51.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in IA (rank 133 of 135).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.03%

Rank 88 of 135

Net Interest Margin

1.88%

Rank 133 of 135

Efficiency Ratio

33.59%

Rank 4 of 135

Equity / Assets

14.81%

Rank 22 of 135

Non-interest income vs. expense

$0.1M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 98% of banks under $1B in assets in IA
Bank 33.59%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.92%1.19%1.47%Beats 35%88 / 135
Return on Equity6.97%7.99%10.26%13.14%Beats 18%111 / 135
Net Interest Margin1.88%2.95%3.41%3.73%Beats 1%133 / 135
Efficiency Ratio33.59%50.61%57.35%63.29%Beats 98%4 / 135
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.51%1.26%Beats 100%21 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio39.92%11.23%13.31%15.45%Beats 96%5 / 135
Total Risk-Based Capital Ratio40.67%11.61%14.06%16.47%Beats 97%4 / 135
Equity / Assets14.81%9.87%11.05%13.07%Beats 84%22 / 135
Liquidity & Funding
Loans / Deposits39.94%68.54%81.55%91.24%4th pctl129 / 134
Loans / Assets33.80%57.61%68.06%76.23%4th pctl129 / 135
Brokered Deposits / Depositsn/aNot reported for this institution