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Farmers Trust & Savings Bank

Earling, IA · Cert 8510 · J Carl H Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$148.1MAssets
$97.3MLoans
$134.5MDeposits
$13.2MEquity
Loan mix
82%RE $57.0M15%C&I $10.5M3%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $106.2M21%Noninterest $28.3MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.90%Q2 ’255.14%Q2 ’26+19%+15%

Non-interest income vs. expense

1.92%Q2 ’241.98%Q2 ’252.02%Q2 ’26+5%+5%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #55 of 77 inst. · $0.1B of $42.7B

11.9% Shelby
13.4% Harrison

Executive Summary

  • Earnings: ROA of 1.52%, up 29 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (-47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.00%, up 6 bps from a year ago.
  • Funding: loans stand at 72.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.52%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+49 bps YoY

Efficiency Ratio (quarter, annualized)

50.23%-505 bps YoY

Tier 1 Leverage Ratio

9.00%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.45%1.34%1.37%1.52%+29 bps
Return on Equity14.59%16.34%14.43%15.03%16.95%+236 bps
Net Interest Margin3.31%3.66%3.66%3.67%3.80%+49 bps
Efficiency Ratio55.28%51.61%53.40%53.95%50.23%-505 bps
Non-Interest Burden1.71%1.75%1.86%1.88%1.80%+9 bps
Growth
Asset Growth (YoY)3.13%1.64%0.10%3.86%1.51%-161 bps
Loan Growth (YoY)4.55%6.36%6.67%10.27%11.43%+688 bps
Deposit Growth (YoY)3.31%0.40%-0.46%3.09%1.04%-227 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.05%0.05%0.00%0.00%-47 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.01%0.00%0 bps
Allowance / Loans1.04%1.01%1.02%1.04%1.04%+1 bps
Allowance Coverage of NPLs2.2x21.0x20.3xn/an/an/a
Capital
Tier 1 Leverage Ratio8.94%9.26%9.38%9.09%9.00%+6 bps
Total Risk-Based Capital14.14%14.76%14.82%14.81%14.32%+18 bps
Equity / Assets8.47%9.34%9.29%9.01%8.90%+43 bps
Liquidity & Funding
Loans / Deposits65.62%72.85%72.31%69.38%72.36%+675 bps
Liquid Assets / Assets11.84%5.61%6.96%10.88%7.16%-468 bps
CRE / Total Capitaln/a62.92%64.51%63.56%n/an/a