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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 $3.9MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $278.7M6%Noninterest $17.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.82%0.80%0.84%0.86%0.87%1.01%1.04%+20 bps
Return on Equity5.79%5.58%5.61%5.86%5.90%5.95%6.78%7.00%+114 bps
Net Interest Margin1.54%1.53%1.57%1.58%1.64%1.68%1.85%1.88%+30 bps
Efficiency Ratio41.86%43.22%41.32%39.15%40.39%40.19%33.89%33.59%-556 bps
Non-Interest Burden0.63%0.64%0.64%0.61%0.65%0.66%0.61%0.62%+1 bps
Growth
Asset Growth (YoY)4.61%3.00%3.13%5.39%4.89%5.98%5.11%3.94%-145 bps
Loan Growth (YoY)0.42%0.25%-1.52%-2.01%0.69%1.47%4.77%4.40%+641 bps
Deposit Growth (YoY)4.43%4.49%4.74%6.20%6.25%5.71%5.34%5.00%-119 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.11%0.04%0.04%0.01%0.07%0.00%-4 bps
Net Charge-Offs / Loans-0.02%-0.01%0.00%0.00%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.92%0.92%0.94%0.92%0.90%0.90%0.88%0.88%-4 bps
Allowance Coverage of NPLs47.7x33.8x8.4x23.3x23.1x173.3x12.2xn/an/a
Capital
Tier 1 Leverage Ratio16.19%15.84%15.91%15.73%15.90%15.68%15.75%15.53%-20 bps
Total Risk-Based Capital43.80%41.78%42.27%42.44%42.04%41.30%40.73%40.67%-176 bps
Equity / Assets15.50%14.14%14.43%14.46%15.09%15.04%14.80%14.81%+35 bps
Liquidity & Funding
Loans / Deposits42.59%41.68%40.02%40.18%40.36%40.01%39.81%39.94%-23 bps
Liquid Assets / Assets0.01%0.02%0.00%0.05%0.00%0.03%0.01%0.02%-3 bps
CRE / Total Capitaln/an/an/an/a11.59%12.14%14.32%n/an/a