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Crawford County Trust and Savings Bank

Denison, IA · Cert 8511 · Viking Corp. the

State charter, non-member · FDIC · 3 branches

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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

81

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

Crawford County Trust and Savings Bank

Denison, IA · Cert 8511 · Viking Corp. the

State charter, non-member · FDIC · 3 branches

Q2 2026

$294.5MAssets
$192.8MLoans
$267.2MDeposits
$26.0MEquity
Loan mix
84%RE $80.8M9%C&I $8.7M7%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $217.0M19%Noninterest $50.3MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.74%Q2 ’254.78%Q2 ’26+6%+9%

Non-interest income vs. expense

1.69%Q2 ’241.72%Q2 ’251.82%Q2 ’26+5%+7%

Executive Summary

  • Earnings: ROA of 1.54%, up 13 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.03% of loans (-196 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.93%, up 67 bps from a year ago.
  • Funding: loans stand at 72.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+28 bps YoY

Efficiency Ratio (YTD, annualized)

48.03%-97 bps YoY

Tier 1 Leverage Ratio

9.93%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.47%1.50%1.55%1.54%+13 bps
Return on Equity18.08%18.27%18.29%17.63%17.51%-57 bps
Net Interest Margin3.16%3.29%3.28%3.43%3.45%+28 bps
Efficiency Ratio49.00%48.41%48.13%48.01%48.03%-97 bps
Non-Interest Burden1.38%1.42%1.40%1.47%1.47%+10 bps
Growth
Asset Growth (YoY)2.26%2.45%4.27%0.59%6.45%+420 bps
Loan Growth (YoY)-0.87%-1.17%1.99%-2.18%0.23%+110 bps
Deposit Growth (YoY)0.74%1.45%2.85%-0.82%5.94%+520 bps
Asset Quality
Nonperforming Loans / Loans2.00%0.24%0.18%0.19%0.03%-196 bps
Net Charge-Offs / Loans0.02%0.00%0.01%0.02%0.05%+3 bps
Allowance / Loans1.16%1.17%1.13%1.18%1.17%+1 bps
Allowance Coverage of NPLs0.6x4.9x6.4x6.3x37.0x+36.4x
Capital
Tier 1 Leverage Ratio9.26%9.63%9.63%9.84%9.93%+67 bps
Total Risk-Based Capital14.01%14.50%14.30%15.24%15.50%+149 bps
Equity / Assets8.33%8.67%8.71%8.89%8.83%+50 bps
Liquidity & Funding
Loans / Deposits76.26%75.87%76.33%74.09%72.15%-411 bps
Liquid Assets / Assets3.75%5.37%3.78%4.70%7.41%+367 bps
CRE / Total Capitaln/a34.60%32.24%33.68%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

Crawford County Trust and Savings Bank

Denison, IA · Cert 8511 · Peer group: banks under $1B in assets in IA (n=134-135) · Viking Corp. the

State charter, non-member · FDIC · 3 branches

Q2 2026

$294.5MAssets
$192.8MLoans
$267.2MDeposits
$26.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks under $1B in assets in IA (rank 11 of 135).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in IA (rank 117 of 135).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.51%

Rank 30 of 135

Net Interest Margin

3.45%

Rank 61 of 135

Efficiency Ratio

48.03%

Rank 26 of 135

Equity / Assets

8.83%

Rank 117 of 135

Non-interest income vs. expense

$1.0M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 81% of banks under $1B in assets in IA
Bank 48.03%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.92%1.19%1.47%Beats 78%30 / 135
Return on Equity17.15%7.99%10.26%13.14%Beats 92%11 / 135
Net Interest Margin3.45%2.95%3.41%3.73%Beats 55%61 / 135
Efficiency Ratio48.03%50.61%57.35%63.29%Beats 81%26 / 135
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.51%1.26%Beats 75%35 / 134
Net Charge-Offs / Loans0.03%n/a0.01%0.03%Beats 26%100 / 134
Capital
Tier 1 Capital Ratio14.38%11.23%13.31%15.45%Beats 61%53 / 135
Total Risk-Based Capital Ratio15.50%11.61%14.06%16.47%Beats 67%45 / 135
Equity / Assets8.83%9.87%11.05%13.07%Beats 13%117 / 135
Liquidity & Funding
Loans / Deposits72.15%68.54%81.55%91.24%31st pctl93 / 134
Loans / Assets65.47%57.61%68.06%76.23%44th pctl75 / 135
Brokered Deposits / Depositsn/aNot reported for this institution